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

1. Loan transaction agreement, demand note, statement of liquidity transaction, statement of liquidity transaction, monetary loan agreement, personal credit information inquiry, transaction history information (prior record);

1. References to criminal records;

1. Application of Acts and subordinate statutes to report on investigation ( current status of personal confinement and confinement, and confirmation of decisions of the same kind of case);

1. Relevant statutory provisions of Article 347(1) of the Criminal Act, Article 231 of the Criminal Act, Articles 234 and 231 of the Criminal Act, Article 37 subparag. 10 of the Resident Registration Act, the selection of imprisonment for a crime;

1. Article 35 of the Criminal Act among repeated crimes;

1. Grounds for sentencing under the former part of Article 37, Article 38 (1) 2, and Article 50 of the Criminal Act among concurrent crimes;

1. The range of recommending punishment set out in the sentencing guidelines [the range of recommending punishment] that has been increased by types 1 (less than 100 million won) of general fraud; - Where the punishment is not granted or considerable damage has been recovered by reason of failure or substantial part of the punishment, an aggravated element: Where the method of committing a crime is very poor (in the event of fabrication of documents), the same repeated crime [the scope of recommending punishment] from one year to two years from one year to June 1 * Where the crime of forgery or alteration of documents is accompanied by a forgery or alteration of documents as a result of committing a fraudulent crime, it shall not be treated as a majority crime, and shall be treated as a sentencing factor

2. The Defendant, who was sentenced to sentence, committed the instant crime, reflects his mistake.

The defendant does not want to punish the above victims and the victim in consultation with the victim M, C, and the victim E.

However, the defendant did not know about the same crime during the period of repeated crime and committed the same crime repeatedly.

The Defendant was unable to recover or reach an agreement on damage financial institutions.

In addition to these circumstances, the defendant's age, character and conduct, environment, details and contents of the crime, and various sentencing conditions shown in the arguments after the crime were committed, shall be set aside in the sentencing guidelines as ordered.