The defendant's appeal is dismissed.

1. The decision of the court below on the summary of the grounds for appeal (three million won of a fine) is too unreasonable.

2. The judgment of the court below is contrary to the defendant's confession of the facts charged in this case, and the loan applicant does not want the defendant's punishment by mutual agreement with the loan applicant. However, the defendant has a history of criminal punishment several times, and the annual interest rate of the loan in this case significantly exceeds the limited interest rate by 205%. In full view of all the circumstances, including the defendant's age, character and behavior, environment, circumstances leading to the crime in this case, details and contents of the crime, and circumstances after the crime, etc., the sentence of the court below is too unreasonable. Thus, the defendant's above assertion is without merit.

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.