All appeals by the Defendants are dismissed.

1. The summary of the grounds for appeal that the court below sentenced the Defendants to the punishment (one million won by each fine) is too unreasonable.

2. Although the Defendants recognized their mistakes and reflects on the Defendants, each of the instant offenses is to process false documents and obtain loans in a planned and systematic manner by using the hub of the policy lending system designed for low-income workers and others. The crime of this case is very poor and highly likely to be subject to criticism, and the Defendants do not seem to have made any effort to recover damage. Defendant A had the record of criminal punishment for the same kind of crime before the instant case; the Defendants’ age, character and behavior, environment, health conditions, motive and consequence of the crime, the degree of participation in the crime, equity in punishment among accomplices, and circumstances after the crime, etc. are considered, the sentence imposed by the lower court is too unreasonable.

3. According to the conclusion, the Defendants’ appeal is all without merit, and it is all dismissed under Article 364(4) of the Criminal Procedure Act. It is so decided as per Disposition.

(However, of the judgment below, since it is apparent that the "national bank" in the second page 18 is a clerical error of the "victim's national bank", it shall be corrected ex officio to the "victim's national bank" in accordance with Article 25 (1) of the Rules on Criminal Procedure.