Despite the impact of the Covid-19 epidemic，the overall real estate financial policies in Shaanxi in 2020 still adhered to the policy tone of “residence but speculation”. The situation in the first half of the year was stable，while the second half turned to be tight. In this policy situation，Shaanxi real estate development and investment has been sustained and rapid recovery，the whole year commercial housing transactions and land transactions show the characteristics of “steady quantity and rising price”. Generally speaking，Shaanxi real estate financial policy is still facing three major problems. First，the long-term mechanism of the prudential regulation institution needs to be improved；second，the continuity，consistency and stability of policies need to be strengthened；third，the financial support policy system of the rental housing market needs to be improved. Therefore，it is suggested that Shaanxi Province should explore the establishment of the supporting policy system of prudential regulation institution in real estate financial sector，to ensure the continuity，consistency and stability of local real estate financial policies，and actively explore the establishment and improvement of financial support policy system of Shaanxi rental housing market.