A defendant shall be punished by imprisonment for six months.

However, the execution of the above punishment shall be suspended for one year from the date this judgment becomes final and conclusive.

Punishment of the crime

1. A person who intends to engage in credit business or loan brokerage business without registration shall register with the Special Metropolitan City Mayor, Metropolitan City Mayor, Special Self-Governing City Mayor, Do Governor, or Special Self-Governing

Nevertheless, the Defendant, without being registered with the competent authority on November 203, 200, operated credit business until July 2014, 201, including lending KRW 3,240,000 per month to D, on condition that D shall pay for 13 months each month, including principal and interest, at the residence of the Defendant, Daegu Suwon-gu, Daegu, 1511, 405, which was located in the early police officer.

2. On February 2010, the Defendant received interest exceeding the statutory interest rate by lending KRW 2.9% exceeding the statutory interest rate while paying KRW 2.5% to E for 13 months each month, including principal and interest, at the Defendant’s residence in the middle of February 2010, and received interest exceeding the statutory interest rate until the middle of July 2014, as indicated in the [Attachment 24-1] No. 24-66 of the List of Crimes.

Summary of Evidence

1. Defendant's legal statement;

1. Each police statement made to F, G, H, I, and J;

1. Investigation report (Attachment of a loan certificate stored in the mobile phone for reference);

1. Application of Acts and subordinate statutes governing the calculation of interest rates, copies of bankbooks, copies of transactions, copies of remittances without passbooks;

1. Relevant legal provisions concerning facts constituting an offense, and Articles 19 (1) 1, 3 (in all cases, referring to the point of running a credit business without registration), 19 (2) 3, and 11 (1) of the Act on the Registration of Credit Business, etc. and Protection of Finance Users, and the Selection of Imprisonment, respectively;

1. Of concurrent crimes, the former part of Article 37, Articles 38 (1) 2 and 50 of the Criminal Act;

1. The reason for sentencing under Article 62(1) of the Criminal Act (hereinafter referred to as the “contributable circumstances”) has been that the Defendant has run credit business without registration for a long time, and the legal interest rate is the legal interest rate.