The defendant's appeal is dismissed.

1. The main point of the grounds for appeal is that the lower court’s punishment (3 million won in penalty) is too unreasonable.

2. Although there is no history of punishment against the Defendant, due to economic difficulties, and there is little benefit for the Defendant, etc., the Defendant committed the instant crime. However, in full view of the following circumstances: (a) the risk of lending the access media was high; and (b) the access media in this case actually used to commit the loan fraud and the risk was realized; (c) equity with similar cases; (d) the Defendant’s age, sexual conduct, intelligence and environment; (d) the background leading to the instant crime; (e) the process leading to the instant crime; (e) the means and method of the instant crime; and (e) the circumstances after the commission of the crime, etc., the lower court’s punishment is too unreasonable.

Therefore, the defendant's assertion is not accepted.

3. In conclusion, the defendant's appeal of this case is dismissed. It is so decided as per Disposition.