The defendant's appeal is dismissed.

1. Summary of grounds for appeal;

A. Legal principles or the Defendant merely lent money to D with a personal knowledge of facts, and does not lend money to D as a credit business.

B. The lower court’s sentencing (fine 1,000,000) is too unreasonable.

2. Determination

A. In full view of the misunderstanding of legal principles or the misunderstanding of facts, D’s testimony and the standard contract for loan transaction submitted by the prosecutor, etc., it can be recognized that the Defendant, who was engaged in credit business, advertised a loan to Luxembourg market, etc., and reported it on July 15, 2010, as credit business, extended KRW 1.3 million after 60 days, and lent KRW 1 million to D.

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

B. In light of the fact that the Defendant was punished for the same kind of crime, other loans, age, character and conduct of the Defendant, circumstances leading to the instant crime and the various sentencing conditions as shown in the instant records and arguments, such as the circumstances before and after the instant crime, it is not deemed that the sentence imposed by the lower court is too unreasonable.

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.