%0 Journal Article %T IMPROVING CONSUMER LENDING MODEL CLIENTS %A Lycheva , I.. %A Molchanova , V.. %K retail banking, loyalty marketing, CRM-strategy, individual approach to the client %J Bulletin of Belgorod State Technological University named after. V. G. Shukhov %D 2017 %N 2 %P 4 %I Belgorod State Technological University named after V.G. Shukhov