The defendant's appeal is dismissed.

1. The summary of the grounds for appeal is unreasonable because the sentence imposed by the court below (one million won of fine) is too large.

2. Although it is recognized that the Defendant recognized the instant crime and there is no criminal history of the same kind of crime, the instant crime requires a strict punishment in light of the legislative intent of the Act on Registration of Credit Business, etc. and Protection of Finance Users in order to protect the economically weak and to promote the sound development of credit business by receiving interest exceeding the limited interest rate while running a registered credit business. In full view of the size of the instant loan amount, the equity in sentencing with the same or similar case, the Defendant’s age, family environment, and the circumstances before and after the instant crime, etc., the lower court’s punishment against the Defendant is too unreasonable.

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.