In the monography, on the basis of generalization of substantive provisions of the theory and their realization in the Russian
practice of marketing research, dependence between morphological type of the consumer of bank services, its predisposition to return of
the taken loans is convincingly proved. The technique of segmentation of consumers of bank services in morphological type is developed
at carrying out of the analysis about decision-making on delivery of loans and calculation of obligatory reserves, on the basis of
morphological typology («CONTY-method»).