If there is a financial crisis, your money will go up in smoke.
The bottom means that since the founding of the People's Republic of China, every time many loans from the four major banks can't be recovered, the state has allocated funds to fill this hole. Therefore, none of the four major domestic banks went bankrupt. In fact, it has closed down many times, especially the Agricultural Bank of China.
Supporting state-owned banks has greatly increased the financial burden of the country. In the future, the state will no longer pay for bankrupt banks.