产教融合视域下金融数学项目式实践教学体系研究与实践

Research and Practice on the Project-Based Practical Teaching System of Financial Mathematics from the Perspective of Industry-Education Integration

摘要: 在数字经济与金融科技深度融合的背景下，传统金融数学人才培养模式面临实践教学环节薄弱、与行业前沿需求脱节等突出挑战。基于产教融合理念，构建了一个以“项目贯穿、校企协同、能力递进”为特征的金融数学实践教学新体系。该体系通过建立“行业认知–虚拟仿真–企业实战”三层递进式教学模块，并依托校企共建的“双师”团队与协作平台，将金融科技企业的真实项目、数据与案例深度融入教学过程。实践表明，该体系有效提升了学生的数学建模能力、数据分析技能与金融实务素养，实现了人才培养供给侧与产业需求侧的结构性匹配，为应用型本科高校金融数学专业的实践教学改革提供了可操作的路径与范式。

Abstract: Under the background of deep integration of digital economy and financial technology, the traditional talent training mode of financial mathematics is facing prominent challenges such as weak practical teaching links and disconnection from the forefront of industry demand. Based on the concept of industry-education integration, this paper constructs a new practical teaching system for financial mathematics characterized by “project throughout, school-enterprise collaboration, and progressive ability development”. The system establishes a three-level progressive teaching module of “industry cognition, virtual simulation, enterprise practice”, and deeply integrates real projects, data, and cases from financial technology enterprises into the teaching process through the “dual-teacher” team and collaborative platform jointly built by schools and enterprises. Practice shows that the system effectively enhances students’ mathematical modeling ability, data analysis skills, and financial practical literacy, realizes the structural matching between the supply side of talent training and the demand side of industry, and provides an operable path and paradigm for the practical teaching reform of financial mathematics majors in application-oriented undergraduate universities.