The rapid development of the digital economy and intelligent finance has completely reshaped the industrial form, job competency standards, and professional ethical norms of modern financial management, posing new challenges to the ideological and political teaching system of university financial management courses. As a core compulsory course for economics and management majors, Financial Management undertakes the dual educational responsibilities of cultivating students’ professional financial competencies and shaping their professional values, and serves as a key carrier for universities to implement the fundamental task of moral education. At present, the ideological and political construction of financial management courses generally fails to keep pace with the digital transformation of the financial industry, resulting in disjointed ideological materials and industrial practice, insufficient integration of digital intelligent teaching and value education, single evaluation mechanism and inadequate teachers’ comprehensive literacy, which cannot satisfy the demand for high-quality financial talents with both professional skills and moral integrity in the digital era. Based on the background of financial digital intelligence reform, this paper adopts literature research and practical analysis methods to sort out relevant research achievements, analyze the practical value and realistic dilemmas of curriculum ideological and political construction, explore professional and targeted ideological and political elements suitable for digital financial scenarios, and construct a systematic and operable innovative teaching path from the dimensions of teaching content, teaching mode, teacher team construction and evaluation mechanism. The research effectively solves the formalization and homogenization problems of traditional curriculum ideological and political education, realizes the deep integration of digital skill training and professional value shaping, and provides practical references for the high-quality teaching reform of financial management courses.