Abstract: A heat pump system, including a main heat pump system and a directly expanded strong cool-heat radiation plate provided on the building surface and serving as the terminal of the main heat pump system. The directly expanded strong cool-heat radiation plate enables refrigerant in the main heat pump system to circulate therein. Since the heat pump system of the present application adopts the directly expanded strong cool-heat radiation plate as the terminal of the main heat pump system, refrigerant in the main heat pump system may exchange heat with air by means of the directly expanded strong cool-heat radiation plate directly, instead of secondary heat exchange of the refrigerant loop and the water circulation loop, thereby reducing loss in intermediate heat exchange, improving the heat exchange efficiency and heat utilization, and omitting the circulating pump for water circulation. An air-conditioner with the heat pump system is further disclosed.