2. The circumstances favorable to the defendant include: (a) the fact that the defendant found a place where the defendant was to receive a loan appears to have caused the instant crime; (b) the defendant recognized his mistake; and (c) the fact that the defendant has no record of the same kind of crime.

However, in light of the fact that the means of electronic financial transactions transferred by the Defendant were used in the telephone fraud crime, the need to strictly punish the crime in accordance with the intelligence trend of the telephone fraud crime, and the balance with the criminal punishment for other crimes similar to the crime of this case, and all of the sentencing conditions in the pleadings of this case, such as the Defendant’s age and family environment, and the circumstances before and after the crime, it is difficult to deem that the lower court’s punishment is too unreasonable.

3. The defendant's appeal is dismissed in accordance with Article 364 (4) of the Criminal Procedure Act since the defendant's appeal is without merit.