Research on Competency Model Construction and Training System for Cross-Border Digital Economy Finance and Economics Talents from a Demand-Side Perspective

Abstract

With the deep penetration of digital technologies and the acceleration of globalization, the cross-border digital economy is reshaping the structure and behavioral patterns of the demand side, driving comprehensive transformations in consumption methods, business operations, and industrial value chains. Against this backdrop, the competency structure of traditional finance and economics professionals struggles to meet the market’s emerging demands for data-driven decision-making, cross-domain integration, and strategic agility. From a demand-side perspective, this paper systematically analyzes the new competency requirements for finance and economics talents in the cross-border digital economy. It constructs a multi-layered competency model centered on professional expertise, supported by digital literacy and cross-boundary integration capabilities, and guided by innovative thinking and sustainable development competencies. Accordingly, it proposes talent cultivation pathways that integrate curriculum systems, optimize teaching resources, deepen industry-academia-research collaboration, and refine evaluation mechanisms. The aim is to provide theoretical reference and practical guidance for innovating the training systems for finance and economics professionals.