Defendant shall be punished by imprisonment for a term of one year and six months.

Punishment of the crime

From 200 to 200, the Defendant began to obtain a loan from a financial institution and continued to repay the loan from the financial institution. On July 201, 2013, the amount of loans from the financial institution, including the NH Bank, etc., 188 million won, and the total amount of bonds 150 million won, including the amount of bonds 150 million won. Although there was an urgent need to pay interest, the Defendant was unable to obtain a loan from a financial institution due to a large amount of bonds, and even if the additional loans from a financial institution were extended, the Defendant could not receive a loan from a financial institution, and it was not possible to repay the loan from the financial institution, and there was no interest in securing a loan from an existing financial institution because the repayment of loans from the financial institution was impossible, and therefore there was no interest in increasing the total amount of loans from the financial institution and there was no interest in securing cash in the hand.

On the other hand, since the loan situation of other financial institutions at the time is confirmed to be computerized only after the loan date, each financial institution is demanding the applicant to provide a letter of commitment to the effect that "not to execute other financial institution loans from five business days before the loan is conducted to fifteen business days after the loan is conducted."

On June 2013, the Defendant, who is aware of such fact, was fluent with the name-free financial hub 188 million won in a lump sum with the Defendant’s financial debt 188,000 won in a lump sum with the Defendant’s financial institution (hereinafter “one-time loan”) to obtain additional money from the Defendant on June 2013, by obtaining a loan of KRW 230,000 in a lump sum from the said money to repay KRW 188,000 in a short sum with the financial hub 45,000,000 in a balance remaining after paying 188,000 won in a short sum with the financial hub, and 27,000 won in the remainder as the Defendant used.

Accordingly, the Defendant is the above financial hub around July 2, 2013.