A defendant shall be punished by imprisonment for six months.

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

Punishment of the crime

D. E is ambiguous to engage in a "work loan" under the name of "work loan" under the pretext of deceiving financial institutions, etc. which may know of the credit rating through recruitment of an unspecified large number of credit holders, unemployed persons, etc., and by manipulating credit card transaction performance, and to obtain a loan by deceiving financial institutions, etc., and F, G, etc. to act as introducing victims of financial institutions and disguised employment companies, and the defendant will act as lending the name in the work loan.

On January 2016, the Defendant met D, etc. at an infinite place (hereinafter referred to as “Apinite”) and would enable the Defendant to obtain a working loan by raising credit.

“Along with the proposal, “A business operator shall obtain a work loan under the name of the Defendant, and registered as a false business operator (L, Si Ma, 202) and opened a bank account (N) in accordance with D’s instructions, and opened a handphone, and around that time, personal information data necessary for working loans, such as physical cards connected with the above business operator’s registration and the above North bank account, resident registration certificates, and handphones, etc., and opened a credit card in the name of the Defendant with D with D. After opening the credit card in the name of the Defendant, D, etc., as if the Defendant had engaged in credit transaction and deposited the settlement amount into the above new bank account, and then, as if the Defendant had engaged in a credit transaction normally, it was higher Defendant’s credit rating by manipulating credit card transaction records.

On February 15, 2017, the Defendant presented false credit card trading records, etc. to an employee in the name of the card company and received 32.8 million won in total on three occasions as stated in the list of crimes in the attached Form, including obtaining credit loans of KRW 10 million.

However, the defendant is a bad credit holder and has not operated the above L, and the defendant is actually using a newly established credit card.