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In recent years,the agriculture and rural economy of Heilongjiang province has entered the new developing stage.The need of financial services is becoming more and more intense,and the contradiction between financial effective supply and financial need is more prominence.So we should give full play to the function of financing,regulating economy and resource allocation of rural finance.But rural financial system in rural areas is imperfect,incomplete function of financial institutions,credit transformation missing and so on restrict financial effective supply.Therefore,we should speed up rural financial system reform,constantly improve the rural financial system,and innovate financial services in rural areas of Heilongjiang Province to promote the harmonious development of new rural construction.