The high-quality development of rural finance is an important support for rural revitalization. In recent years, it continuously expands the investment in rural finance in Heilongjiang Province, and optimizes the rural financial service system and mechanism. The overall income level and living conditions of rural residents have been significantly improved, but there still exists income gap between urban and rural residents. Therefore, based on analyzing and combing current situation and problems of rural financial development and urban-rural income gap in Heilongjiang Province, multiple linear regression model is used to study the impact of rural financial development on the income gap between urban and rural residents in Heilongjiang Province. The research results show that the scale of rural financial development in Heilongjiang Province will enlarge the income gap between urban and rural residents, while rural financial development efficiency and urbanization level reduce income gap between urban and rural residents in Heilongjiang Province. Based on the above conclusions, some policy suggestions to promote the equalization of urban and rural income in Heilongjiang Province are puts forward in this paper.