The defendant's appeal is dismissed.

1. The decision of the court below on the summary of the grounds for appeal (five million won of a fine) is too unreasonable.

2. There are circumstances favorable to the Defendant, such as the fact that the Defendant appears to have no substantial profits from the instant crime, that the Defendant is disabled persons and has difficulty in economic conditions as a basic recipient, that the Defendant received a letter from some victims, and that the Defendant made confessions of all the facts of the crime and is against the Defendant.

However, considering the circumstances unfavorable to the defendant, such as the fact that there is a need to strictly punish credit service providers who receive interests in high interest in the legislative purport of the Act on Registration of Credit Business, etc. and Protection of Finance Users in order to protect finance users and stabilize the economic life of the people, the number of illegal loans by the defendant are many victims, and the defendant is not well aware of the criminal records of the same kind of law, and the fact that the criminal records of fines under the same law do not seem to fall under the crime of this case without being aware of two times, and the nature of the crime is not good. In addition, in light of all the sentencing conditions indicated in the records of this case, considering the defendant's age, character and behavior, family environment, and circumstances after the crime, the sentence of the court below against

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. It is so decided as per Disposition.