1. Revocation of the first instance judgment.

2. The defendant shall pay to the plaintiff succeeding intervenor KRW 9,901,112 and KRW 5,390,351 among them.

1. Basic facts

A. On October 18, 1994, the Defendant concluded a guarantee insurance contract for small loans (hereinafter “instant guarantee insurance contract”) with the Korea Guarantee Insurance Co., Ltd. (hereinafter “Korea Guarantee Insurance Co., Ltd.”) as follows. (After changing the trade name to the Plaintiff on December 8, 1998, Korea Guarantee Insurance Co., Ltd. comprehensively succeeded to the rights and obligations of the Korea Guarantee Insurance Co., Ltd. on January 5, 1999 on the premise that the Plaintiff entered into the guarantee insurance contract of this case on the premise that the Plaintiff’s assertion was made. The Plaintiff’s assertion is the above; hereinafter the Korea Guarantee Insurance Co., Ltd. and Korea Guarantee Insurance Co., Ltd. are all referred to as “Plaintiff”; if the Defendant fails to pay the principal and interest pursuant to the household loan agreement entered into with each insured of the Guarantee Insurance Contract of this case, the Defendant paid it to the insured within the scope of the insurance amount; the Defendant paid the amount from 14% per annum to 30% per annum; and the repayment rate of principal and interest to 190.5% interest rate per 194.94.

B. Since then, the Plaintiff paid KRW 5,390,351 to the Korea Life Insurance Co., Ltd. on June 28, 1995, and KRW 5,479,706 to the Korea Life Insurance Co., Ltd. on July 7, 1995, respectively, under the instant guarantee insurance contract by the Defendant’s failure to repay the principal and interest under the household loan agreement with the insured.

C. August 1, 199