All appeals filed by the defendant and prosecutor are dismissed.

1. Summary of grounds for appeal;

A. Defendant: The sentence of the lower court (five years of imprisonment) is too unreasonable.

B. Prosecutor: The sentence of the court below is too unhued and unreasonable.

2. The defendant's inner name "Mabro tin" fraud is a serious crime that causes social problems by attracting people who need not borrow money from a financial institution but by paying only a part of the money sold from the street to a mobile communication company that is the victim, and the defendant makes profits therefrom. It is not only a pecuniary damage to the mobile communication company that is the victim, but also a pecuniary damage to the mobile communication company that is the victim ( even if the mobile communication company is compensated for damage from the guarantee insurance company as alleged by the defendant, it is merely a transfer from the guarantee insurance company to the guarantee insurance company, and it does not cause the defendant's responsibility. It does not seem that the defendant's responsibility is unfilled.) The defendant's excessive debt such as the Nobbuk and Mabro bro blob with service fees, etc. The above "Mabro 2" fraud is merely a significant criminal that causes social problems by purchasing the bad credit holder, and the defendant's participation in the business of the defendant's insurance company and the Habro 2000,000,00).