Recently, Heilongjiang jointly with People's Bank of China and many other departments concerned and printed and distribute “Modern agriculture comprehensive reform trial financial reform of two flatlands” of Heilongjiang Province. People's Bank of China jointly with related departments formulated “building financial and policy system to perfect the rural financial organization system” and others eleven sides of financial reform task. This precept is aimed at the first to set up a "complete, structure optimization, moderate competition, innovation, high efficiency" of the modern rural financial organization system on two flatlands though carrying out rural finance reform. And it speed up financial products innovation can meet the demand of modern agriculture and financing mode.