First, the CIRC if the bottom of the pocket, that the local government is happy, the bank credit preservation, in the long run, this is disguised to encourage more banks to do so, there is always a pocket can not be. Secondly, the CBIRC does not underwrite, the implementation of local governments, deposit insurance, third-party platform together, of course, how much each bear the proportion, is a responsibility delimitation problem, also need time to determine. Third, the CBIRC does not underwrite, the local government does not underwrite, after the disposal of seized assets, plus the third party platform compensation, how much compensation in proportion to how much.