2. The Defendant, by sharing the roles with accomplices, took part in the crime of defrauding loans by abusing the employee full-time loan system, and the resulting damage therefrom is the same as the crime in that the Korea Housing Finance Corporation bears the burden of operating the loan directly with public funds, and eventually transfers the said loan to many workers who intend to actually use the loan system.

In addition, even though the defendant does not have a lot of benefits that he actually acquired due to the crime, he does not make efforts to obtain a letter from the damaged person or to recover the damage.

In addition, considering the circumstances of various sentencing indicated in the record, such as the background, method and consequence of the crime, the circumstances after the crime, the age of the defendant, and the sexual conduct, the sentence of the court below is too unreasonable.

3. In conclusion, the defendant's appeal is dismissed in accordance with Article 364 (4) of the Criminal Procedure Act on the grounds that the defendant's appeal is without merit.