The defendant's appeal is dismissed.

1. The summary of the grounds for appeal is that the Defendant did not have the intention to acquire the loan of this case by fraud.

2. According to the evidence and records duly adopted and examined by the court below, the defendant: (a) on August 3, 201, as stated in the facts charged, knew about KRW 32,00,000 per annum with the victim Aju Capital Co., Ltd. (31.9% per annum), 36 months during the loan period, repayment method, equal repayment of principal and interest, etc.; (b) on the date when the defendant entered into an agreement to repay the loan amount of KRW 32,00,000,000,000, including bank loan obligations and credit card payment obligations at the time of receiving the loan as above; (c) even after receiving the loan from the bank, etc. to December 6, 2011, the defendant was able to receive additional loans equivalent to KRW 17,00,000,000 from KRW 30,000,000,000,000 from KRW 50,000,000,00.