The defendant's appeal is dismissed.

1. In light of the substance of the grounds for appeal in this case, the punishment imposed by the court below (5 million won of fine) is too unreasonable.

2. Although the Defendant recognized all of the instant crimes, there are favorable circumstances, such as the fact that the Defendant committed a mistake, contrary to the fact that the Defendant committed a crime in favor of others. However, considering the legislative intent of the “Act on Registration of Credit Business, etc. and Protection of Finance Users,” aimed at establishing a sound financial transaction order and protecting financial consumers in a position of the economically weak, and the period, frequency, interest rate, etc. of the instant crime, the Defendant attempted to collect claims by threatening the victim D upon delayed payment of interest, and the Defendant’s age, character, character, living environment, motive, means and consequence of the instant crime, etc., the sentence of the lower court is too unreasonable.

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