Abstract: With the deepening development of economic globalization and informatization, financial literacy education plays an increasingly important role in the career planning and practical ability cultivation of college students. This article explores the current situation, challenges, and new paths of financial literacy education from the perspective of school land co-construction. By analyzing the“smart countryside”rural practice project for college students, it verifies the effectiveness of the school land cooperation model in improving students'financial literacy and practical abilities. Research has found that through campus local co-construction, college students can apply financial knowledge in a real work environment, promoting their career planning and practical skills improvement. In the face of challenges in the implementation process, strategies such as strengthening the integration of theory and practice, optimizing the curriculum system, and establishing a diversified evaluation system have been proposed, aiming to further optimize financial literacy education, cultivate high-quality talents that meet future market demands, and contribute to social and economic development.

Key words: Financial literacy education, School land co-construction, Career planning, Practical ability, “Smart countryside”, Curriculum system