Over and Termination of commercial banks

1, the bank's takeover.

　　Commercial banks have or may have a credit crisis, seriously affecting the interests of the depositors, the may take over the bank. Zhongyangyinhang purpose of taking over the credit crisis of commercial banks is to protect the interests of depositors and stabilize the financial market order, safeguard social stability. Over decision by the, and their implementation.takeover decision should contain the following elements:

　　(1) the commercial name of the bank to be taken over;

　　(2) to take over the grounds;

　　(3) to take over the organization;

　　(4) to take over the period.

　　Over decision will be announced by the. Can be taken over by the be themselves and to be entrusted to other bodies to implement. Took over a maximum period of 2 years.Termination due to take over for the following reasons: First, the decision to take over the prescribed time limit had expired ordecision to take over the extension of the expiration time; second, to take over before the expiry of the period, the bank has returned to the policy management capacity ; third, takeover deadline before the expiry of the bank was merged or declared legally bankrupt .

　　2, terminated.

　　(1) due to the dissolution of the bank terminated. Bank dissolution procedures include: filing for dissolution;  approve the dissolution.

　　(2) Bank terminated due to cancellation;

　　(3) Bank due to bankruptcy and dissolution;

　　(4) the bank's liquidation. Its procedures:

A, payment and settlement costs;

B, repayment owed ​​workers wages ;

C, pay personal savings deposits of principal and interest;

D, repayment of interest-bearing creditors priority;

E, other general creditors of the debt;

Distribution F, shareholders surplus property .