All appeals by the Defendants are dismissed.

1. The decision of the court below on the summary of the grounds for appeal (one year of imprisonment for each of the defendants) is too unreasonable.

2. We examine the facts charged of this case and reflects the defendants' mistake. Each of the crimes of this case appears to have led D and E, and some of the loans of this case paid to D and E do not reach the profits actually acquired by the defendants. However, each of the crimes of this case is not likely to be committed in that the defendants conspired to prepare and submit a false document systematically in collusion with the loan hub, resulting in an unfair execution of the funds to be used for the stabilization of the housing of homeless workers. The damages of each of the fraud of this case committed by the defendants did not amount to KRW 80,000,000. Nevertheless, the defendants did not agree with the victim or did not pay damages, and there is no special reason to change the punishment of the court below after the decision of the court below, and there are no other circumstances to change the defendants' age, age, character and conduct, etc.

3. Accordingly, the Defendants’ appeal is dismissed in accordance with Article 364(4) of the Criminal Procedure Act on the grounds that the Defendants’ appeal is without merit. It is so decided as per Disposition.