This paper focuses on the real time intelligent navigation scheme for unmanned surface vehicle (USV) subject to collision avoidance regulations. The proposed approach is formulated as two segments: the real time guidance principle with COLREGS-compliant collision avoidance mechanism and the finite-time adaptive event-triggered control algorithm. The pointed improvement for the artificial potential field (APF) can guarantee USV possess the excellent avoidance function in accordance with COLREGS regulations. Especially, when the obstacle makes dangerous actions, the emergency obstacle avoidance operation (EOAO) is implemented according to the real time position of obstacles. Based on the proposed guidance principle, a finite-time robust neural control algorithm is developed by fusion of the finite-time stability theory and event-triggered mechanism. The intermittent computing and communication can effectively reduce the energy and resource consumption of the control system. Moreover, the finite-time adaptive controller design contributes to smaller computation load and facilitates the implementation of the algorithm in ocean engineering. The semi global finite-time uniformly boundedness (SGFTUB) of the closed-loop system is guaranteed through the Lyapunov theory. Finally, the numerical simulation and comparison experiment are illustrated to verify the guidance and control performance of the proposed algorithm.