摘要：This research systematically explores regional cooperation and innovation in the economic management of the fnancial industry within the Guangdong-Hong Kong-Macao Greater Bay Area (GBA). It integrates theoretical frameworks, including regional financial cooperation, financial innovation, and regional economic management theories, to analyze the current status, challenges, and international experiences, while proposing targeted strategies. The GBA's financial industry exhibits a development pattern led by Hong Kong as an international financial center, with mainland cities showcasing distinct characteristics. Notable progress has been made in cross-border financial business, infrastructure integration, and regulatory coordination. However, cooperation is hindered by institutional disparities, market connectivity barriers, a shortage of innovative talent, and regulatory coordination challenges. Financial innovations in fintech, green finance, and cross-border products face legal constraints, complex risk management, and low market acceptance, with insufcient integration into the real economy. Drawing insights from global bay areas (New York, San Francisco, Tokyo), the study recommends enhancing regional cooperation mechanisms (e.g., establishing unified coordination agencies and promoting infrastructure integration), deepening the integration of fnancial innovation with the real economy, and optimizing regulatory coordination. Specific measures include increasing fintech investment, innovating green financial products, cultivating multi-level talent systems, and establishing cross-border regulatory frameworks. While this research provides theoretical support for GBA's fnancial development, it acknowledges limitations in data timeliness, interdisciplinary integration, and quantitative analysis. Future research should focus on dynamic policy tracking, quantitative evaluation models, interdisciplinary technology-law-fnance coordination, and micro-level case studies to refne policy recommendations and enhance international comparative perspectives.