A defendant shall be punished by imprisonment for not more than ten months.

However, the execution of the above punishment shall be suspended for a period of two years from the date this judgment becomes final and conclusive.

Punishment of the crime

On October 22, 2016, the Defendant was a lending company Co., Ltd. by telephone from a person without his name on October 22, 2016.

In this regard, as the credit rating of the party is difficult to lend money to the account of the party, it is suggested that the lending is made by means of cash transfer, withdrawing the money in cash, and delivering it to the female employees of our company, and that the lending was attempted after raising the credit rating. In response, the amount of damage to the crime of telephone financial fraud (one-time phishing) was withdrawn in cash by receiving the amount of damage to the crime of telephone financial fraud (one-time phishing) from the account under the name of the defendant to the account of the defendant and making the withdrawal to the telephone financial intermediary staff.

On October 26, 2016, when there is no intention or ability to make a normal loan, the name-free person assumes a new bank staff and calls to victim D while misrepresenting himself/herself, and carries out a refund loan, which is a civil remedy product.

The current base point of the Party is 43 points, and at the time of raising up to 45 points, a loan can be granted up to 35 million won with interest of 5%.

If a loan is more than 10,00 won, the loan was extended to another financial institution, and then the additional loan was deposited into a virtual account designated by us, and the loan was transferred from the above victim to the bank account of 14 million won in the name of the defendant on the same day.

After that, the Defendant, at the counter of the joint branch office of Mapo-gu Seoul Metropolitan Government Joint Bank, called "to withdraw a deposit to purchase automobiles in cash" to the employees of the branch office of Mapo-gu Seoul Metropolitan Government Joint Branch office, and then withdrawn the amount of KRW 14 million in cash, and then, the Defendant sent it to the under-name female investigators.

In addition, on October 26, 2016, a person in unsound calls to victims E while misrepresenting himself/herself as a staff member of a national bank in the morning, and loans KRW 60 million to the victim E with the interest of 4% less than the existing loan.

In that sense, correspondence.