Take-over is a very important measure to help commercial banks in crisis, which is stipulated in the financial laws of most countries and areas. Law of the People’s Republic of China on Commercial Banks also regulates it, but the regulations are simple and deficient which makes it disable. Then there are specific reasonable norms on take-over conditions, effect, powers (rights) and duties, and procedure in the legislation of the Macao region, which can be a good reference for Mainland China.