The defendant's appeal is dismissed.

1. The main point of the grounds for appeal is that the sentence (3 million won in penalty) imposed by the court below on the defendant is too unreasonable.

2. As to the reasons for appeal, the Defendant was recognized to commit the instant crime, against whom it is contradictory, and the Defendant financed funds by the method of judgment upon the request of the branch. The Defendant appears to have no profit gained by the instant crime, and the Defendant has no other criminal history except for those sentenced to a fine twice for the instant crime, which is favorable to the Defendant.

The crime of financing funds to financial consumers through the most recent transaction, such as the crime of this case, is virtually high loan transactions that disrupt the financial order, ultimately, causes damage to the financial consumers by adding the non-performing claims of credit card companies, and damages to the financial consumers as a whole. In light of the frequency and amount of the crime of this case, the Defendant’s liability for the crime is not negligible, etc., that are disadvantageous to the Defendant.

In addition, in full view of the various circumstances that are conditions for sentencing, such as Defendant’s age, sex, environment, family relationship, motive, background, means and consequence of the crime, and the circumstances after the crime, and there are no special circumstances or changes in circumstances that make it possible to change the sentencing of the lower court after the judgment of the lower court, the sentence imposed by the lower court is too unreasonable.

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.