2. It is recognized that the Defendant recognized a mistake and reflects the fact that there has been no past record of criminal punishment so far, and that the mother who is administering a pulmonary cancer supports the mother.

However, considering the fact that the Defendant’s crime of this case was committed without being registered with the competent authority from April 201 to April 2013, it is necessary to take into account the social termination group, such as: (a) the Defendant’s operation of credit business without being registered with the competent authority from around April 201 to the maximum of 163.2% interest rate; (b) the Defendant’s operation of credit business is undermining the financial transaction order and increasing the economic burden of the obligor; and (c) the Defendant’s operation of credit business is not short of the period and the Defendant’s operation of credit business is with heavy interest rate; and (d) there is no special circumstance or change that may be newly considered in sentencing after the sentence of the lower judgment; and (e) the Defendant’s age, character, occupation and environment, family relationship, and all the circumstances that form the conditions for sentencing as shown in the records and arguments, it is not recognized that the sentence imposed by the lower court is excessively unreasonable.

Therefore, the defendant's assertion is not accepted.

3. The defendant's appeal is dismissed as it is without merit. It is so decided as per Disposition.