Under the dual background of the typological development of vocational education and its deep integration with the digital economy, vocational undergraduate programs in finance and economics face an urgent need to cultivate high-level technical and skilled talents. The curriculum system, serving as the core vehicle for talent development, sees the quality of its restructuring directly determining educational outcomes. From the perspective of the synergistic collaboration between “Golden Standard“ instructors and teaching materials, this paper analyzes existing problems within the curriculum system of vocational undergraduate finance and economics programs. It clarifies the core logic and value dimensions of this dual-element synergy, constructs a restructuring framework oriented by competency, driven by the dual elements, and characterized by dynamic adaptation. Furthermore, the paper proposes implementation pathways and safeguard mechanisms, aiming to provide practical guidance for enhancing the intrinsic quality of vocational undergraduate finance and economics programs.