The Central Economic Work Conference clearly proposed to actively and prudently resolve real estate risks, meet the reasonable financing needs of real estate enterprises of different ownership types equally, and promote the stable and healthy development of the real estate market. Currently, the financing situation of private real estate enterprises is improving. Since November, major banks such as Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, and Bank of Communications have provided over 30 billion yuan in real estate development loans to non-state-owned real estate enterprises, with over 14 billion yuan allocated in the past two weeks. Real estate finance emphasizes equal treatment. This is not only a necessary requirement to adhere to the two unwavering principles, but also a necessary guarantee for promoting development and mitigating risks. On the one hand, the private economy is a new force to promote Chinese path to modernization, an important foundation for high-quality development, and an important force to promote China's comprehensive building into a socialist modernization power and achieve the second century goal. On the other hand, real estate risks have strong correlation and contagion, and the healthy development of private real estate enterprises can provide beneficial guarantees for stabilizing the market, people's livelihoods, and expectations. However, from a practical operational perspective, real estate finance is also difficult to treat equally. When it comes to the difficulty of financing for private real estate enterprises, people usually attribute it to their own risks. This is certainly one of the reasons, but it should also be noted that some financial institutions tend to prioritize state-owned enterprises over private enterprises. The main cause of imbalanced credit resources is the mismatch between returns and risks. Compared with state-owned enterprises, the pre loan investigation of private enterprises is more complicated. Financial institutions are not only difficult to obtain credit information of enterprises, but also difficult to ensure the authenticity of information. Therefore, without mandatory assessment requirements, financial institutions have little enthusiasm to do things that are time-consuming, laborious, and may pose risks. Because of the above tendencies, the allocation of financial resources is also prone to problems such as clustering and inefficiency. Furthermore, even for both private enterprises, it is difficult to achieve equal treatment in the allocation of financial resources. When a private enterprise's scale and popularity increase, financial resources also gather in clusters, as the saying goes, "No one asks under the window for ten years, and it becomes famous all over the world.". This can easily lead to the waste of credit resources, and also make it difficult for qualified small and medium-sized enterprises or those with potential and prospects but temporary difficulties to obtain credit support. Policy support should be sustained and strong. Since 2021, multiple supportive policies have been introduced, proposing to adhere to the "two unwavering principles" and treat all types of real estate enterprises, including state-owned and private enterprises, equally. Next, we need to focus on the implementation of early policies, maintain stability in key financing channels such as credit and bonds, and meet the reasonable financing needs of real estate enterprises; In addition, it is necessary to do a good job in financial support for real estate project mergers and acquisitions, and to do a good job in risk disposal for troubled real estate enterprises. Financial institutions should take the initiative. On the one hand, financial institutions should take the initiative to visit private real estate enterprises and conduct extensive discussions, deeply understand and effectively connect with the financing pain points and needs of private real estate enterprises, grasp the key points, and prioritize alleviating the liquidity pressure of real estate enterprises. On the other hand, financial institutions should meet the reasonable financing needs of real estate enterprises of different ownership on an equal footing. They can focus on supporting the stable development of real estate enterprises with sound governance, focus on their main business, and good qualifications. On the premise of ensuring debt security, based on the principle of commercialization, they should actively negotiate with real estate enterprises and promote their development