数字普惠金融背景下零售业复合型商科人才培养路径研究

Research on the Cultivation Path of Compound Business Talents in Retail Industry under the Background of Digital Inclusive Finance

摘要: 数字普惠金融将支付、信用、资金周转与消费者经营嵌入零售业务流程，岗位能力因而由单一的营销或财务知识转向场景化的综合判断。文章梳理新商科、产教融合与复合型人才培养研究，以PBL (问题导向学习)和CBE (能力本位教育)为理论支点，提出“业务场景–任务能力–证据评价”的分析框架。文章构建知识、技能、价值观与可观察行为相衔接的能力模型，并以“社区门店融资与会员运营方案”为例，细化课程目标、实施流程、数据支持、评价标准和双导师分工，同时讨论师资、数据合规和校企协作等实施障碍。

Abstract: Digital inclusive finance embeds payment, credit, capital turnover, and consumer operations into retail business processes, shifting job competency requirements from singular marketing or financial knowledge toward scenario-based comprehensive judgment. Drawing on research in new business education, industry-education integration, and interdisciplinary talent cultivation, this paper adopts Problem-Based Learning (PBL) and Competency-Based Education (CBE) as its theoretical foundations, and proposes an analytical framework of “business scenarios - task competencies - evidence-based evaluation”. The paper constructs a competency model that integrates knowledge, skills, values, and observable behaviors. Using the case of “community store financing and membership operation planning”, it elaborates on curriculum objectives, implementation procedures, data support, evaluation criteria, and the division of responsibilities between dual mentors (academic and industry). It also discusses implementation challenges concerning faculty development, data compliance, and university-enterprise collaboration.