Fujian's monetary culture is a concentrated reflection of the evolution trajectory of local finance.We use financial elements as clues to deconstruct the monetary culture of Fujian,which can be condensed into Fu-jian monetary culture of the Five Dynasties,Minzhong silver dollar culture of,folk culture,overseas Chinese culture,Mindu borrowing and lending culture,shipping culture,Maritime Silk Road culture and red currency culture.Reinterpreting these different types of culture from the perspective of financial innovation is an impor-tant path to further deepen financial thinking,reshape financial culture confidence,and enhance financial soft power.To this end,"cultural interconnection"should be promoted to re-examine the essence of finance in the new era,"cultural complementarity"should be utilized to promote the practical innovation of financial service models,"cultural integration"should be enhanced to broaden the path of financial development,and"cultural mutual promotion"should be taken advantages of to help the re-innovation of local characteristics of the fi-nance,so as to promote the efficient and healthy development of the modern financial system with the transfor-mation of the financial value of the excellent traditional culture.