Defendant shall be punished by a fine of KRW 5,000,000.

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

Punishment of the crime

1. Any person who intends to operate an unregistered credit business shall file for registration with the Mayor/Do Governor having jurisdiction over the place of business in each unregistered credit business;

Nevertheless, on April 17, 2013, the Defendant entered into a loan agreement of KRW 2 million with the victim C in Daegu-gu, Daegu-gu, and received KRW 2.6 million with the principal and interest of KRW 40,000 each day for 65 days from the next day, etc. As indicated in the list of crimes in the attached Table, the Defendant loaned KRW 19,00,000 from April 16, 2013 to June 25, 2013, and performed credit business without receiving interest.

2. Where an unregistered credit service provider grants a loan in violation of the interest rate limitation, the interest rate shall not exceed 30 percent per annum;

Nevertheless, on April 17, 2013, the Defendant entered into a loan agreement on KRW 2 million with the victim C in Daegu-gu, Daegu-gu, and received interest on KRW 305 percent per annum in excess of the statutory interest rate for 65 days from the next 65 days in the manner of receiving repayment of the principal and interest at KRW 40,000 per annum, as shown in the list of crimes in the attached Table, such as: (a) the Defendant paid interest on KRW 19,00,000 from April 16, 2013 to June 25, 2013; and (b) borrowed KRW 226 percent at a minimum to KRW 1034 percent.

Summary of Evidence

1. Defendant's legal statement;

1. Statement of the police statement regarding C;

1. The provisions of Acts and subordinate statutes shall apply to replies related to the provision of financial transaction information, detailed statement of deposit and withdrawal transactions, report on internal investigation (the result of analyzing the details of transactions of deposit and withdrawal of the target account), investigation report (the preparation of suspect A crime list,

1. Relevant Article of facts constituting an offense, Article 19 (1) 1, Article 3 (1) of the Act on Registration of Credit Business, etc. and Protection of Finance Users, Article 19 (2) 3, Article 11 (1) of each of the Act on the Protection of Finance Users, Article 19 (2) 3, and Article 11 (1) of the same Act and the selection of fines;

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