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(영문) 광주지방법원 순천지원 2017.01.10 2015고단1237
대부업등의등록및금융이용자보호에관한법률위반
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A defendant shall be punished by imprisonment for not more than ten 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.

Reasons

Punishment of the crime

The Defendant is a credit service provider registered as C in Mineyang-si on September 23, 2014.

1. A person who intends to engage in a loan business shall register with the competent authorities having jurisdiction over the relevant place of business, and the loan interest rate shall not exceed 25% per annum, but the defendant shall not register with the competent authorities on February 20, 2013, and the defendant shall borrow 3,000,000 won from the debtor D and deducted 300,000 won as interest interest, and shall be paid 2,700,000 won per five days (the agreement shall be 3,00,000 won per annum), and the principal and interest shall be paid in 2,70,700,000 won per annum.

4. At least 12 times during the 12-time period, she received a total of KRW 3,600,000 as principal and interest as well as a total of KRW 401,100,000 from around that day to around September 6, 2014 from around that day to around 129 times, and received interest exceeding 25% per annum in lending a total of KRW 401,10,000.

2. If a credit service provider grants a loan to an individual, the interest rate shall not exceed 34.9% per annum;

Nevertheless, the Defendant borrowed KRW 4,50,00 from around September 23, 2014 to E, and deducted KRW 450,000 as interest interest, and paid KRW 4,50,000 to KRW 4,50,000 after 15 days’ use (self-regulation is equivalent to 270% per annum), and paid KRW 4,050,00 on the same day, and received KRW 5,40,000 per annum as principal and interest for the following month, and received interest exceeding 25% per annum from the date to December 24, 2014, including receipt of KRW 130,350,00 per annum from the date to December 24, 2014.

Summary of Evidence

1. Partial statement of the defendant;

1. The legal statement of witness F and G in part;

1. A protocol concerning the examination of partially the accused by the prosecution;

1. Each prosecutor's statement concerning H, G, I, J, K, L, M, N,O, and E;

1. Investigation Report (the details of settlement of the borrowed money certificate and the loans made by suspect A; and

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