Defendant

A shall be punished by a fine of 4,00,000 won and by imprisonment of 8 months for each of the defendants B.

Defendant

A The above fine shall be imposed.

Punishment of the crime

Defendant

A is a member of the company working in the "Korea Electric Power Corporation" located in the Dong-gu Seoul Special Metropolitan City, Daegu Special Metropolitan City, and Defendant B is a person who operates a loan consultation company from May 2013 to Dongjak-gu with the trade name of "H" in the Dongjak-gu Seoul Special Metropolitan City.

Defendant

A had a credit loan equivalent to KRW 2776 million in around August 2013, and it was not possible to obtain additional loans from a financial institution. Since there was no specific property other than KRW 6.5 million in monthly income, A had no intention or ability to obtain additional loans.

Nevertheless, around August 2013, the Defendant may receive additional loans from Defendant B’s infinite employees with the name of “H” operated by Defendant B, with the credit rating going forward when he temporarily pays full credit loans.

A loan may be granted to the maximum extent with a low interest rate at the same time with a full repayment of the loan from various financial institutions, and an additional loan may also be granted in an amount equivalent to 50 million won.

We received a proposal to the effect that “the credit rating will be lowered by full payment of loan,” and accepted it, and conspired with Defendant B by using the fact that there was no time to share the loan information from each financial institution, and thereby obtaining credit loans from the victim Nonghyup Life Insurance Co., Ltd.

Thus, from August 26, 2013 to August 27, 2013, Defendant B repaid an amount equivalent to KRW 277,929,245 of the principal and interest of a loan to the account notified by Defendant A. Defendant A, on August 29, 2013, applied for a credit loan of KRW 80 million to the Daegu branch of a victim company located in Suwon-gu, Daegu-gu on August 29, 2013, Defendant A did not apply for a credit loan of KRW 32,00,000,000 to the effect that he/she does not have any other credit loan obligation except for a real estate mortgage loan worth KRW 32 million, and he/she does not receive a loan from another financial institution within 10 days after the loan.