Abstract: Restricted by the characteristics of “low income and high risk” in rural financial market, rural financial reform has obvious characteristics of government exogenous promotion and its own reform momentum is insufficient. By using artificial intelligence, big data, cloud computing and blockchain, financial science and technology can significantly change the information collection of traditional financial industry, risk pricing model and investment decision process, improve the accuracy, availability and sustainable development ability of financial services, and empower rural financial reform from three aspects of operation basis, financial products and business model.