2. The Defendants appear to have led to the confession of crimes and the misunderstanding of the Defendants, and the fact that the Defendants did not have the same criminal history is favorable to the Defendants.

However, the Defendants acquired the loan of KRW 165 million from a financial institution by taking advantage of the loan system of the previous loan system by taking partial charge of the roles of each other. This only causes damage to the loan applicants who actually require the above loan system, which is planned and organized, and the nature of the crime is heavy, and the damage has not been obtained from the damaged financial institution so that it can be avoided and the damage has not been recovered properly. In addition, considering the circumstances, methods and results of the crime, the circumstances after the crime, the age of the Defendants, and family relations, the lower court’s punishment is too unreasonable.

3. As such, the Defendants’ appeal is without merit, and all of them are dismissed under Article 364(4) of the Criminal Procedure Act.