A defendant shall be punished by imprisonment for not less than two years and six months.

Punishment of the crime

Since 2008, the Defendant: (a) purchased insurance by lending the name of another person while working as an insurance designer for the FF corporation; and (b) increased the insurance subscription performance by paying the insurance payment; (c) led to a situation in which the amount of the insurance payment to be paid by the Defendant is larger; and (d) borrowed money from another person to prevent the payment of the insurance payment from returning the so-called obligation to repay the debt by borrowing the money; and (c) received the money from the victims and received the money and received the money.

On July 25, 2011, the Defendant stated that “In the office of the H company located in Jincheon-gun, Jincheon-gun, Jincheon-gun, the Defendant would use a high level of interest when a person operating a business needs to pay a higher level, and if there is money, the Defendant would have him/her lent it to him/her and have him/her receive interest. When he/she takes charge of KRW 5 million, the Defendant would have 250,000,000 per month receive interest.”

However, in fact, the Defendant was thought to use the money received from the victim I for the Defendant’s personal debt repayment and payment of insurance premium, and the Defendant did not intend to lend the money from the victim I even if he received it from the victim I, so there was no intention to pay interest rate to the victim I. The Defendant did not have the intent or ability to pay the interest and the principal even if he borrowed the money from the victim I even when he borrowed the money from the victim I in excess of the obligation at the time.

The Defendant, on July 25, 201, received KRW 5 million from the victim I as a loan from the victim I, and from that time to December 2, 2013, the victimJ in the annexed crime list was opened to K on February 13, 2012. The “J” stated in each remarks column of the crime list No. 76 through 79 is expressed.