近年来,我国金融市场上理财业务迅速发展,名目繁多的各类产品组合层出不穷,理财市场的竞争趋于白热化,并逐渐呈现出“你中有我,我中有你”的融合格局。然而,市场竞争的无序化、有法不依、政出多门、多头监管也成为当前理财市场的突出问题。在我国分业监管的格局下如何实现理财? In recent years, the wealth management business in our country’s financial market has developed rapidly. There are many kinds of product portfolios in an endless stream, and the competition in the financial market tends to intensify. The integration pattern of “you have me and you have yours” has gradually emerged. However, the disorderly market competition, the law does not depend on the government out of doors, long supervision has become the prominent issue of the current financial markets. How to Realize Financial Management in the Pattern of Divided Regulation?