The defendant's appeal is dismissed.

The defendant, as to the summary of the grounds for appeal, was proposed by the loan broker G to convert the existing loan from the loan broker G to low interest rate and did not follow the explanation and direction of the above loan broker, and the victim's telephone conversation with the Korea Savings Bank. Therefore, there was no deception of the victim and there was no intention to commit fraud.

The sentencing of the court below's improper sentencing (the sentencing of 3 million won) is too unreasonable.

On March 30, 2016, the lower court acknowledged the following facts and circumstances based on the evidence duly adopted and investigated by the lower court as to the grounds for appeal. In other words, the Defendant had a debt of at least KRW 50 million,000,000,000,000,000,000,000 from the injured party, and paid monthly loans and KRW 1.3 million from the interest rate of KRW 1.3 million, and the Defendant was in short of living expenses. The Defendant, through a lending brokerage company around March 24, 2016, adjusted the credit rating of KRW 18.5 million from the existing financial institution on March 30, 2016 to obtain a loan to the victim at least KRW 2,310,00,00,00 from the existing financial institution, and the Defendant would have received a loan from the Korea Credit Guarantee Bank, Korea H.K. and the Defendant would have received a new credit rating of KRW 600,000,00 from the existing financial institution.