2. The fact that the decision-making defendant reflects his fault is favorable.

However, in light of the following: (a) the instant fraud committed by the Defendant was planned by acquiring funds by means of the capital loan system for the entire house loan system; (b) the social malicious crime constitutes a serious crime; and (c) there is no particular relation or change of circumstances to reduce the sentence of the lower court in the trial; and (d) other factors of sentencing stipulated in Article 51 of the Criminal Act, such as the Defendant’s age, sexual conduct, environment, motive, means and consequence of the crime; and (b) the Defendant’s punishment against the Defendant is too unreasonable because the Defendant’s punishment is too large; and therefore, (c) the Defendant’s wrongful assertion of sentencing

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. It is so decided as per Disposition.