The defendant's appeal is dismissed.

1. The summary of the grounds for appeal (unfair sentencing) by the lower court (one year of imprisonment) is too unreasonable.

2. The following facts are the circumstances favorable to the Defendant: (a) the Defendant acknowledges the instant crime; (b) there is no past history of criminal punishment or criminal punishment heavier than a fine for the same crime; (c) the fact that the Defendant was returned to the credit cooperative inside the victim’s inside of the victim through a kind of substitute loan, and (d) said Defendant would not repeat the same mistake.

On the other hand, the crime of this case is a situation unfavorable to the defendant, such as the fact that the defendant conspireds with C, etc. or uses a loan agreement, etc. in the name of the sole reference, thereby deceiving 200 million won from a credit cooperative inside the victim's inside and outside of the victim over several times, and the nature of the crime is not good, and the amount which has not been recovered from the amount acquired through deception exceeds 80 million won, and the fact that the credit cooperative in the victim's inside and outside of the victim did not reach an agreement or have not received any letter up to the trial of the party.

In full view of the above circumstances and other factors of sentencing, including the background of the instant crime, the Defendant’s age, sexual conduct, and environment, etc., the lower court’s punishment is too unreasonable as it is too unreasonable, and thus, the Defendant’s assertion is without merit.

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