‘Three agricultural problems’ is the most important issue of the country, and rural finance is the key to solve the ‘three agricultural problems’. Based on the data of Longjiang County of Qiqihar City and Lindian County of Daqing City which locate in Heilongjiang Province, this paper constructs the entropy-weight TOPSIS model, and determines the financial demand indexes of different counties and different types of agricultural scale operators through the basic situation of agricultural scale operators, financial market factors and other variables. The results show that the overall financial demand of agricultural scale operators in Heilongjiang Province is low, and the proportion of agricultural scale operators below the average is larger. There are great differences in the financial demand index of different counties and different types of agricultural scale operators.