Formation of conditions of transition to steady development of the credit organizations assumes presence of scientific toolkit which should have methodological character and represent a set of scientific receptions, methods and principles of research to which definition given clause is devoted. The executed research has shown, that the logic and the scheme of the scientific analysis of processes of maintenance with bank service of economic system of region and formation of conditions of steady development of regional bank system should: to be based on statistical methods with use of system of national accounts in addition with the SWOT-analysis of bank system; formation of conditions of transition to steady development to be spent in a complex and comprehensively; management of process of transition to steady development of bank system should be carried out at active state participation within the limits of creation socially focused according to plan-market economy. At the given approach formation of conditions of transition of regional bank system on steady development, in our opinion, becomes possible.

In world banking practice it is considered that it is better to solve the problem of one bank, rather than arouse the mass impressment of deposits, generating the effect of spreading the disease onto the other credit institutions. In our conditions the process of spreading was specifically reflected in flowing the financial resources of people out of the commercial banks into Sberbank, that shortened drawn resources of other banks, lowed their financial steadiness. The decision of this problem demands conducting aim-oriented policy on the safe-keeping of funds of individuals and organizations in all commercial banks. In other words, the system of deposits insurance is needed, which is based on the necessary participation of all banks and credit organizations, drawing money resources into deposits. But the legislation we have nowadays does not allow to provide in full measure the demanded guarantees to depositors, to form real mechanism of bank liquidity crisis and mass impressments of financial resources by the depositors prevention in case of negative economic market or bankruptcy.