2. Although the judgment of the court below is based on the circumstance that the defendant recognized his mistake and expressed his intention that the victims would not want the punishment by compensating the victims of the defrauded amount already and by agreement with the victims, etc. However, each of the crimes of this case by the defendant was committed by deceiving the victims to obtain a loan from a financial institution by means of a prior bank account, etc., and by deceiving the victims to obtain a loan from the financial institution, it is difficult to say that the crime of this case was committed by taking into account the motive and circumstance leading up to each of the crimes of this case, the circumstances before and after the crimes of this case, the defendant's age, character, environment, occupation, family relation, etc., the punishment of the defendant is too unreasonable.

3. As such, the defendant's appeal is dismissed in accordance with Article 364 (4) of the Criminal Procedure Act on the ground that it is without merit.