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

[2015 Highest 2651] On January 9, 2013, the Defendant made a false statement to the effect that the Defendant would repay the loan amount of KRW 452,337 per month for 25 months from February 25, 2013 to January 25, 2017, to the person in charge of loan of Hyundai Capital Capital Co., Ltd., the victim, by purchasing Abdon Transportd vehicle in the Sung-gu Daejeon District of Daejeon (State) D, and to the effect that the Defendant would repay the loan amount of KRW 19.3 million every month from February 25, 2013 to January 25, 2017.

However, even if the defendant received the loan, he did not have the intention or ability to repay it.

On January 9, 2013, the Defendant, by deceiving the victim as such, obtained KRW 19,300,00 from the victim as a loan, and acquired it by fraud.

[2015 Highest 2780] The Defendant, with knowledge of the fact that the Ministry of Land, Infrastructure and Transport extended a worker deposit loan to the low-income group through a commercial bank, in collusion with E, F, G, and H, did not intend to rent a house, and even if the Defendant did not have any intent or ability to repay the loan, he did not intend to submit a false charter contract and documents, such as a false certificate of employment, to obtain a charter loan.

Specifically, E recruited a false lessor with H owned I 201, Nowon-gu, Seoul Special Metropolitan City I 201, and G made a false certificate of employment with the Defendant by falsely recruiting the Defendant as a tenant, and F made a false certificate of employment with the Defendant by linking G with E, G, F, and H by linking E.

On January 4, 2013, when the Defendant applied for the loan of employee full-time loan at a point in the name of the victim bank located in Bupyeong-si, the Defendant, as an employee with good credit standing, submitted a false employment certificate in the name of theJ received from G and a false lease contract received from E, and the Defendant was receiving benefits from the J in normal terms, and the Defendant, as an employee with good credit standing, deceiving the loan manager as if he were to move into the house owned by the lessor H.