Defendant shall be punished by a fine of KRW 4,500,000.

If the defendant does not pay the above fine, 50,000 won shall be paid.

Punishment of the crime

The Defendant is a person who runs credit business in Seo-gu, Gwangju from October 18, 2012 to May 13, 2013, using “D” in the name of “D.”

1. Where a person intends to engage in a credit business that operates a brokerage business for delivery of money and receipt and payment of money, he/she shall register with the competent authority. However, on July 27, 2012, the Defendant, upon non-registration, lent KRW 2,50,000,000 to G who calls for an advertisement for information on daily life in the F Call State located in Gwangju E, and deducted KRW 2,50,000 as a prior interest, and loaned KRW 1,750,000 from that time to October 9, 2012, and operated a non-registered credit business by lending KRW 11,79,000 to four persons every eight times as shown in the attached list of crimes.

2. A person who actually engages in a credit business without registering his/her credit business shall not, if granting a loan to an individual, exceed 30% per annum, which is the interest rate provided for by the Presidential Decree, and any person who engages in a credit business against an individual shall not receive the interest exceeding 39% per annum as provided for in the Enforcement Decree of the Act on Registration of Credit Business and Protection of Finance Users;

On July 27, 2012, the Defendant offered a loan of KRW 2 million to G, excluding KRW 2.50,000,000 as prior interest, and actually offered a loan of KRW 1,750,000 per annum 36,00 per annum for 53 days, and was paid interest equivalent to KRW 118.7% per annum for 113 days from that Si to April 2, 2013, the Defendant violated the statutory interest limit by obtaining a loan of KRW 16,274,00 in total from five debtors over 11 times from that Si to April 2, 2013, as indicated in the separate crime list.

3. The Defendant: (a) from early September 2012 to October 2012, 2012, the F Call Bureau located in Gwangju Northern-gu E, where G, a debtor, work repeatedly at one-2 times a day without justifiable grounds.