2. According to Article 52(1) of the Criminal Act, when self-denunciation is made, the punishment may be reduced or exempted, and it does not require to be reduced or exempted as necessary.

In light of the circumstances that the defendant committed the crime of this case, it is reasonable for the defendant to take account of the fact that he committed the crime of this case against his wrongness through a prison life for about four months, that the defendant voluntarily surrenders, that the defendant was disabled with 6th degree disability, that he was suffering from acute distress, and that the defendant directly acquired profits from the crime of this case. However, the crime of this case is not recognized to be unfair by taking into account the following circumstances: in collusion with the loan clients, the defendant planned, actively entices the bank employees, and receives 51 million won in total from the damaged bank with start-up funds and full-time loan funds; the defendant received 4 million won from E under the pretext of soliciting the case handled by the public officials; the defendant did not make any effort to recover damages up to now; the defendant did not make any effort; the defendant has been sentenced twice to a fine for the same kind of crime; the defendant was sentenced four times to a fine; the defendant's age, character and conduct, the circumstances leading to the crime of this case; and the records and circumstances after the crime of this case.

Therefore, the defendant's above assertion is without merit.

3. In conclusion, the defendant's appeal is dismissed in accordance with Article 364 (4) of the Criminal Procedure Act since it is without merit. It is so decided as per Disposition.