The defendant's appeal is dismissed.

1. The main point of the grounds for appeal is that the lower court’s punishment (two million won of fine) is too unreasonable.

2. The circumstances favorable to the defendant include the fact that the defendant led to the confession of the crime, and that the economic form is difficult.

On the other hand, there is a need to strictly punish the crime in accordance with the trend of the crime, such as the use of bankbooks, check cards, etc. transferred by the defendant in the crime of fraud, and the intelligentization of the crime such as related loan fraud, and there is a history of punishment several times for this crime, which is disadvantageous to the defendant.

In addition to the above various circumstances, comprehensively taking account of the sentencing conditions indicated in the instant case, such as Defendant’s age, occupation, motive, means and consequence of the commission of the crime, the lower court’s punishment 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.