The present invention relates to a fire-resistant panel having superior fire resistant properties and a low dimensional variation ratio, and a fire-resistant decorative panel using the same. In detail, the present invention provides a fire-resistant panel comprising a) a substrate of inorganic-fiber-based fabric or non-fabric, or paper; and b) a resin blend containing i) a thermosetting resin selected from a group consisting of phenol resin, phenol modified resin, phenol-urea modified resin, melamine resin, melamine modified resin, melamine-urea resin, urea resin, and urea modified resin; and ii) loess, which is impregnated or coated to the substrate of a), and a fire-resistant decorative panel using the same as a substrate material.