Defendant

A shall be punished by a fine of 3,00,000 won and by imprisonment of 6 months for each of the defendants B.

Defendant

A The above fine shall be imposed.

Punishment of the crime

1. Defendant A was not entitled to obtain a credit loan from a financial institution due to the absence of a certain occupation.

Thus, the defendant A called the phone number listed in the loan advertisement of the living information site around June 2010 and asked the credit service provider under his name to find out whether it is possible to grant a loan, and around that time, the above credit service provider requested the loan in the vicinity of the new forest station located in Gwanak-gu in Seoul Special Metropolitan City.

In addition, the above credit service provider opened a bank deposit passbook as requested by the above credit service provider and issued it to the above credit service provider along with a certified copy of resident registration.

On the other hand, the name omitted and D received the above deposit passbook from the Defendant A entered without permission as if monthly benefits were paid from E in the transaction statement of the above one bank passbook from the Defendant A, but the name omitted and D altered the deposit passbook under the name of the President, as if Defendant A was an employee E, forged a certificate of employment under the name of the representative E, and issued the modified one bank passbook and a forged certificate to Defendant A.

Accordingly, on July 5, 2010, Defendant A submitted to an employee in charge of the loan in name in the new bank located in the Gwanak-gu in Seoul Special Metropolitan City, to the employee in charge of the loan in his name, and exercised his/her right as if he/she were duly prepared the altered passbook and the forged certificate of employment. Defendant A received KRW 8 million from the victim bank that believed that the above deposit passbook and the certificate of employment were actually prepared, from July 5, 2010.

As a result, Defendant A, in collusion with D, nameless winners, etc., alters the deposit passbook under the name of the president, one of the private documents concerning a certificate of fact, forged the certificate of employment in the name of E representative F, which is a private document concerning a certificate of fact, exercises the altered deposit passbook and the forged certificate of employment, respectively, and exercises eight million employees’ credit loans.