All appeals by the defendant and the prosecutor are dismissed.

1. Summary of grounds for appeal;

A. The sentence of the lower court (the penalty of KRW 10 million, the confiscation) is too unreasonable.

B. The Prosecutor’s sentence of the lower court is too unhued and unreasonable.

2. The defendant needs to be subject to corresponding punishment in light of the fact that the defendant had been subject to criminal punishment several times (including six times the actual sentence), that the defendant was sentenced to imprisonment for ten months with prison labor due to interference with the performance of official duties and committed the crime of this case again during the repeated crime period; that the amount loaned by the defendant while engaging in a loan business without registration and the amount of interest received in violation of the restriction on the interest rate, etc.

However, in full view of the fact that the defendant recognized the crime of this case, and the defendant has an opportunity to reflect during the period of detention between approximately two months during the trial of the court below, and other circumstances, such as the defendant's age, sex, environment, family relationship, and circumstances after the crime, the sentence of the court below against the defendant is too heavy or unreasonable.

Therefore, the defendant, his defense counsel, and prosecutor's above sentencing are without merit.

3. If so, the appeal by the defendant and the prosecutor is without merit, and all of them are dismissed in accordance with Article 364(4) of the Criminal Procedure Act. It is so decided as per Disposition.