The defendant's appeal is dismissed.

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

2. The fact that the judgment defendant recognized the crime of this case and reflected it is favorable.

However, in light of the fact that the defendant had been punished several times for the same crime, and the method of crime, etc., the crime in this case is not good, and the victim is being damaged by urging the lending company to pay the repayment, and even if so, the defendant did not recover any damage.

In full view of the records and arguments of this case, there is no special circumstance or change of circumstances that can be newly considered in the trial of the party, and other various sentencing conditions as shown in the records and arguments, such as the defendant's age, sex, family relationship, circumstances after the crime, etc., the lower court's punishment is too unreasonable.

Defendant’s assertion is not accepted.

3. The defendant's appeal is dismissed in accordance with Article 364 (4) of the Criminal Procedure Act on the grounds that the defendant's appeal is without merit. It is so decided as per Disposition.