l allow time to optimize decisions on the restructuring of banks and their implementation, which is very important now when the country's 18 banks liquidated. It should be noted that such a practice exists in the US and Germany. Yes, the US engaged in this national system of deposit insurance, and in Russia bank liquidation functions entrusted not to the Central Bank and the Agency insurance premiums. Most likely, the first positive moves in this direction will occur no earlier than one year, because the functioning of the Fund at full capacity and the necessary expertise and time. br/>