All appeals by the Defendants are dismissed.

1. The main point of the grounds for appeal is that the lower court’s sentence (a fine of KRW 5 million is imposed on the Defendants A, Defendant B: a fine of KRW 3 million) against the Defendants is too unreasonable.

2. In light of the judgment, the Defendants complained of economic difficulties, and Defendant A, at the Gwangju District Court on October 8, 2014, sentenced a suspended sentence of three years and two months to imprisonment without prison labor for a violation of the Act on Special Cases Concerning the Settlement of Traffic Accidents, sentenced on October 16 of the same year, and the judgment became final and conclusive on October 16 of the same year, considered the circumstances in which the instant case could have been tried together with the final and conclusive case. Defendant B did not have any significant penalty, and the degree of participation in the instant case is relatively minor.

However, the crime of this case is not suitable for the defendants to engage in credit business by creating false credit transactions and damaging social trust. The defendant A has already been punished for the suspension of execution due to the same kind of crime. In light of the equity in the punishment with co-defendants of the court below and the sentencing guidelines for the same kind of crime, the punishment of the court below against the defendants is too unreasonable.

3. Accordingly, the defendants' appeal is dismissed in accordance with Article 364 (4) of the Criminal Procedure Act on the grounds that the defendants' appeal is without merit.

[However, since the date and time of the crime No. 6 of the crime list (1) in the holding of the court below is a clerical error in the " August 8, 2013", the correction is to be made.