The defendant's appeal is dismissed.

1. The summary of the grounds for appeal is unreasonable by the lower court’s imprisonment (one year of imprisonment).

2. The instant crime was committed by taking part in the systematic fraud crime of acquiring loans from financial institutions several times, and was committed by a lessee, and the nature and circumstances of the crime are more serious, and the amount of damage was 175 million won, but did not reach an agreement or recover from damage to the trial.

In addition, the punishment of the court below is determined by taking into account all favorable circumstances such as the fact that the defendant led to the confession of the crime and the repenting of the crime, or that the crime resulted from economic difficulties, and there is no change in the situation in the trial.

In addition, considering the motive and background of the crime, the circumstances after the crime, the Defendant’s career, and the environment, various sentencing conditions shown in the records and pleadings, the sentence of the lower court cannot be deemed unfair.

3. In conclusion, the defendant's appeal is without merit and it is so decided as per Disposition in accordance with Article 364 (4) of the Criminal Procedure Act.