Research on the Digital Transformation of Higher Financial Education: Realistic Dilemmas, Problem Cruxes, and Path Innovations

Digital transformation represents both a realistic opportunity and a challenge facing higher financial education. In the process of digital transformation, China's higher financial education still faces realistic dilemmas, including the performative nature of hardware facilities, the lagging nature of curriculum and textbook content, the backwardness of capability cultivation, and the homogenization of teaching methods. The underlying causes lie in the lack of clear construction planning, the absence of dynamic update mechanisms, the disconnect between teaching objectives and industry demands, and the insufficiency of digital teaching resources. Therefore, to optimize the digital transformation process of China's higher financial education, continuous exploration of innovative paths is required. This includes constructing a "Demand-Oriented & Dynamic Iteration" digital construction system, building an "AI-Empowered & Three-Classroom Linkage" digital teaching model, establishing a "Two-Way Empowerment & Collaborative Education" school-enterprise cooperation mechanism, and realizing true dynamic evaluation alongside the establishment of intelligent assessment systems.