The defendant's appeal is dismissed.

(b) the circumstances favorable to the Defendant;

However, the crime of this case is serious in the light of the crime period and frequency, the amount of damage, etc., which is very planned and organized, the crime of this case seems not to have significant damage to the lending enterprises if the defendant does not recover properly any poor loan occurred due to the crime of this case, such as the motive for the crime of this case, the method and consequence of the crime, the circumstances after the crime, and the amount of the crime to receive a total of KRW 18,000,000 as the loan clients, such as I, by deceiving the lending enterprises by forging or uttering the loan-related documents over 40 times for a period of 1 year and 6 months: 2 years; 2 years; 3 years; 2 years; 2 years; 3 years; 2 years; 3 years; 2 years; 3 years; 3 years; 3 years; 4 years; 4 years; 4 years; 5 years; 4 years; 4.0 million; 4.

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.