For estimating discharge and pollution loads into the Yeongsan lake, a conceptual watershed model HSPF(Hydrological Simulation Program - Fortran) was applied to the Yeongsan River Basin. Various spatial data set including DEM, watershed boundaries and land uses were used to set up the model for the Yeongsan River Basin that was divided into 45 sub-basins. The model was calibrated and validated for the river discharges, SS, BOD, TN and TP concentrations against the data observed in 2011 at several monitoring stations. The simulation results show good agreement with the observed water flows($R^2$ = 0.46 - 0.97, NSE = 0.70 - 0.96). The simulated concentrations of SS, BOD, TN and TP are also in good agreement with the observed. The total freshwater discharge to the Yeongsan lake is estimated $2,406{ imes}10^6m^3/year$ which the Jiseok and Hwangryoung stream contribute as much as 19%, 17% respectively. It is estimated that the total discharges to the Youngsan lake is SS 152,327 ton/year, BOD 15,721 ton/year, TN 10,071 ton/year, TP 563 ton/year. Both water and pollution loads are high in summer, particularly in July, when the monsoon season arrives at the Korean peninsula.