When a commercial bank has or may have a credit crisis, which seriously affects the interests of depositors, the People's Bank of China may take over the bank. The purpose of the central bank's takeover of commercial banks with credit crisis is to protect the interests of depositors, stabilize the financial market order and maintain social stability. The takeover is decided and implemented by the People's Bank of China. The takeover decision of the People's Bank of China shall include the following contents:

1. The name of the commercial bank to be taken over;

2. Reasons for taking over;

3. Take over the organization;

4. takeover period.

The takeover decision shall be announced by the People's Bank of China. The takeover can be carried out by the People's Bank of China on its own or by entrusting other institutions. The longest period of takeover shall not exceed 2 years. The takeover is terminated for the following reasons: First, the time limit stipulated in the takeover decision expires or the extension time of the takeover decided by the People's Bank of China expires; Second, before the expiration of the takeover period, the bank has resumed its policy operation ability; Third, before the expiration of the takeover period, the bank was merged or declared bankrupt according to law.

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1. The bank was terminated due to dissolution. Bank dissolution procedures include: applying for dissolution; The People's Bank of China approved the dissolution.

2. The bank is terminated due to cancellation;

3. The bank is dissolved due to bankruptcy;

4. Bank liquidation.

Its program:

1. Payment of liquidation expenses;

B, pay off the wages owed to employees;

C. paying the principal and interest of personal savings deposits;

D. giving priority to the repayment of creditors' interest;

E. Repaying the debts of other general creditors;

F. distribution of surplus property by shareholders.