2. The circumstances favorable to the defendant include the fact that the defendant recognized all of the crimes of this case, that the defendant has no record of criminal punishment other than the fine for the same crime, and that the defendant's natives desire to have his wife against the defendant.

However, the crime of this case is a so-called "finite tin" crime in the way of lending cash through credit card transactions most likely to sell goods, and requires a premium by damaging credit trading order, and thus damaging the credit order, the defendant's funds financed for about one year and two months in the above way exceeds KRW 1.7 billion, and criminal proceeds acquired therefrom also seems to be considerable; the defendant was in the position of leading the crime of this case; the defendant illegally collected personal information of the owner of the credit card in order to commit the crime of this case; the defendant used the so-called "finite passbook" and "largephone" to commit the crime of this case; the defendant committed the crime of this case in a planned and professional manner by referring to the co-offender in the office name and destroying related materials; the defendant committed the crime of this case; and the defendant committed the crime of this case by repeatedly and repeatedly considering the records of criminal punishment for the violation of the Act on Registration of and Protection of Financial Users, such as large-scale 2014 business, etc., and the defendant committed the crime of this case's environment repeatedly.

3. In conclusion, the defendant's appeal is without merit, and it is dismissed in accordance with Article 364 (4) of the Criminal Procedure Act. It is so decided as per Disposition. However, the defendant's appeal is about the registration of loan business and the protection of financial users in accordance with Article 3 of the law of the court below.