A defendant shall be punished by imprisonment for not less than eight months.

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

Punishment of the crime

The defendant had a cell phone, authorized certificate and passbook in the name of B living together from January 2005 to receive a loan in the name of B by using the cell phone, authorized certificate and passbook.

1. Crimes related to lending of C Bank loans;

A. On September 5, 2016, the Defendant entered B’s digital signature in the name, “EPC bank” as “EPC bank located in Ansan-si, A, using a mobile phone (F) opened in the name, and sent it to the employee of the victim company who was unable to know his/her name despite having access to the company’s website, using the prior authorized certificate of B, which was located in the company’s home page, in order to obtain a loan amounting to KRW 16 million, and then, as B applied for a loan of KRW 16 million, by using the prior authorized certificate of B, which was connected to the company’s home page installed in the company’s home page in Yongsan-gu, Manyang-gu, Busan-si, and the Defendant’s home page in the same day.

As a result, for the purpose of facilitating the management of affairs, the Defendant cited one copy of the I loan application in the name of others, I loan agreement, and credit information consent form in the name of others, which is electronic records of others.

B. The Defendant was guilty.

At the time and location of subsection B, the fact does not have the consent or delegation of the loan from the above B, and even if the loan was received by stealing the name B, the defendant applied for the loan to the victim C Bank as if the defendant was B.

The application form, etc. of loan in the name of B, as described in the paragraph, was submitted and it was acquired by remittance from the victim company to the J bank account in the name of B used by the defendant on the same day.

2. Crimes related to loans of KK Stock Companies;

A. The Defendant’s fraud is at the residence of the Defendant, located in the Sinsan-dong G building and the Defendant’s family heading H around May 10, 2017.