The defendant's appeal is dismissed.

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

2. Even if considering the circumstances such as the fact that the defendant's profit gained by the crime of this case seems to be minor, the defendant is currently a basic living recipient of this case, the economic situation is not good, and the defendant repents his mistake, the defendant could have anticipated that his cash cards, etc. transferred to him will be used for the singing crime due to the records of the same crime, the fact that the defendant actually committed the lending fraud using the means of electronic financial transaction transferred by him is realized, the necessity of strict punishment is high since the defendant's act can be distributed to many bona fide victims, and in light of all the sentencing conditions stated in the records of this case such as the circumstances leading to the crime, age, character and behavior, family environment, etc., the sentence of the court below against the defendant is too unreasonable.

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