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영어

The purpose of this treatise was to propose a survival strategy for commercial banks in the era of globalization, market opening and diversification of customer's needs after IMF foreign currency crisis in Korea.In this treatise, we established a identification model of customers left and prediction model of deposit records. Based on those models presented above, we put out lifetime values of customers and intended to provide commercial banks with a strategic direction by lifetime values and customers segmentation depending on their lifestyles. Customers segmentation based on the lifetime value score and lifestyle of customers is very meaningful to commercial banks. Because it provides commercial banks with proper answer about which customer do we have to focus on our marketing ability and more fruitful for our bank in the aspect of marketing efficiency.Specific study subjects can be put in order as follows. Firstly, we investigated outline of CRM which is a methodology of this treatise we intended to provide. Second was a understanding of the present situation of retail finance in Korea. Lastly, based on the two research, presented above, we intended to make a positive study on the establishment method of CRM model in retail finance area of commercial banks. We used integrated study method by using references related to this study and questionnaire method for the positive approach to the establishment of CRM model.