All appeals filed by the defendant and prosecutor are dismissed.

1. The fact that the defendant's judgment on the grounds for appeal of this case is contrary to the recognition of all the crimes of this case, and that some of the funds that the loan requester voluntarily borrowed in the name of the client appears to have been repaid to the lending company, etc. or paid to the lending client, and that there is a family member to support the defendant, etc. are considered favorable to the defendant.

However, the principal crime of this case is a case where the defendant, while running a loan brokerage business from July 2009 to October 2012, he/she obtained additional loans in the name of the lending client by forging, forging, and using electronic records and documents related to the loan application in his/her own name based on personal information and other data received from the lending client, and used them individually, and the credit card issued by deceiving him/her is used in the name of the lending client at his/her own discretion, and the crime is not good in light of the law and contents of the crime, and the crime of this case is committed repeatedly over a long time by taking advantage of the old state of the lending applicant even though it is difficult for economic circumstances, and the sum of the acquired amount of each fraud of this case reaches KRW 640 million,000,000,000 from time to time, and the defendant did not have reached an agreement with the victims of each fraud of this case until the trial, and there is no other circumstance to deem that the defendant was taking measures to recover damage.

2. Conclusion, the defendant and the prosecutor.