Specifically, the asset-liability ratio of real estate companies excluding collection cannot exceed 70%; The net asset-liability ratio of a real estate company cannot exceed100%; The ratio of cash to short-term debt cannot be less than 1. When real estate companies fail to meet the corresponding standards, the regulatory authorities will require financial institutions to limit the debts of real estate companies.

The supervision of banks refers to the supervision and management of banks, and the supervision and guidance of banks through legal and administrative means to ensure that banks comply with various regulations and avoid careless business practices. The determination and division of regulatory objectives should not only follow the general law of healthy development and effective supervision of the whole financial system, but also fully consider the institutional arrangements of specific financial institutions, the development level of financial markets, historical and cultural environment and other national conditions, and make specific designs and arrangements from the practical needs that are conducive to the long-term development of the whole financial system and the smooth progress of institutional reform. Theoretically speaking, on the one hand, the damage that bank operation may cause to depositors or consumers is the opportunistic behavior of operators who excessively participate in risks based on the high debt ratio and limited responsibility system of commercial banks.

That is to say, under the condition that commercial banks mainly obtain operating funds by absorbing debts such as deposits and implement limited liability, if the loans or investments are successful, they can get almost all the benefits, while if the loans or investments fail, they only need to bear a very small part of the responsibilities. Therefore, in the absence of necessary creditor supervision, the owners and operators of commercial banks have excessive risk-taking motives, thus threatening the safety of depositors' funds. On the other hand, the possible damage is basically the same as that of ordinary enterprises. Commercial banks may reduce their service quality and effective output by virtue of their market monopoly position, infringe on consumers' interests and cause social welfare losses. Therefore, the regulatory goal of "protecting the interests of depositors and financial consumers" is to protect consumers from opportunistic behavior or monopoly pricing by financial service departments or other participants in the financial market, promote the positive development and steady operation of commercial banks, strengthen internal control systems and risk management, and ensure that consumers can obtain honest, efficient and high-quality financial services.