在进入高质量发展阶段与“走出去”的时代，企业如果希望在国内、国际市场持续健康发展，就不能只看重眼前的经营利益。从长远来看，企业必须看重企业的合规经营，以预防和规避企业运营中的各种法律风险。企业必将走上 “合规之路”，在合规中谋求发展是企业主动防控风险、实现可持续发展的必然选择。

我国非金融行业的反洗钱合规体系尚未建立，同时，又由于“非金融行业”这一概念所包含的行业和机构众多，大多数非金融机构企业内部并未建立起反洗钱制度或者相关制度并不完善，所以该行业隐藏着较大的洗钱风险。如何加强对非金融业的反洗钱监管是企业和国家都应重视的问题。鉴于实务中的迫切需求，反洗钱合规监管体系应当在非金融行业中建立起来。

目前，我国对反洗钱的理论研究主要集中于金融行业的反洗钱策略，对非金融行业反洗钱研究较少；在对非金融行业反洗钱策略的研究中，学者们侧重对国家法律制度、政策安排提出建议，鲜少有人从企业自身出发探寻新路径。鉴于理论界对非金融行业反洗钱问题以及非金融行业反洗钱合规问题在理论上研究较少，本文对非金融行业的反洗钱问题进行研究，提出非金融行业应实施具有行业特色的反洗钱合规计划，以探寻非金融行业洗钱问题的新型解决之道。

因此，本文选取“特定非金融行业”作为研究对象，对特定非金融行业的企业合规进行探讨，建构特定非金融行业既具有普适性又具有特殊性的合规计划，以期推动企业合规观念在企业运营中的常态化，呼吁特定非金融行业尽早建构起具有行业特色的合规计划。本文的主要内容和结构是：

第一章：特定非金融行业的反洗钱现状分析。特定非金融行业隐含巨大的洗钱风险，并且特定非金融行业的洗钱犯罪现状呈现出涉及行业众多、隐蔽性强、跨国（境）洗钱等特征，这些特征加大了特定非金融行业反洗钱工作的难度。上述诸多因素也同样也提高了对特定非金融行业反洗钱的专业性要求，促使特定非金融行业的反洗钱工作需要配备更为专业、素质综合的相关领域工作人员；同时，目前我国对特定非金融行业相关法律法规缺乏，因此出现了“无法可依”的困境。我国正在努力加强特定非金融行业的反洗钱工作，已经取得了一些进步，尤其是在立法方面，但是反洗钱工作的实施成效还有待进一步提升。

第二章：特定非金融行业反洗钱政策走向——反洗钱合规计划。该章主要论述特定非金融行业监管走向反洗钱合规计划的必要性和可行性。特定非金融行业走向反洗钱合规计划的必要性在于传统监管的缺陷和反洗钱合规制度的优势，而可行性则是通过其他国家特定非金融行业反洗钱合规经验、世界范围内金融行业反洗钱合规经验和我国实施反洗钱合规计划的现实基础加以论证。

第三章：特定非金融行业反洗钱合规要素分析。本章从合规计划的普通要素入手，参考其他各行业合规计划中的可借鉴要素，搭建起特定非金融行业反洗钱合规的基本框架；其后，针对反洗钱合规的特点，借鉴金融行业反洗钱合规制度的有益经验，提出反洗钱合规的特殊要素；最后，基于特定非金融行业的行业特点，提出特定非金融行业洗钱合规计划的特殊要素，从而完善特定非金融行业的合规计划。

第四章： 特定非金融行业反洗钱合规计划博弈分析。本章建立国家与企业的博弈模型，通过对博弈模型求解，对影响企业实施反洗钱合规计划概率的因素进行分析，并根据博弈模型结果提出对策建议。

In entering the stage ofhigh quality developmentand the era of "going out", if enterprises want to achieve sustained and healthy development in domestic and international markets, they should not only focus on immediate operating interests. In contrast, enterprises must pay attention to their compliance operation to prevent and avoid various legal risks in their operation from the long term. Enterprises are bound to take the "path of compliance" and seek development in compliance, which is the inevitable choice for enterprises to actively prevent and control risks as well as realize sustainable development.

China's non-financial industry's anti-money laundering compliance system has not yet been established. Non-financial business contains numerous industries and institutions ,and most of the non-financial institutions have not established anti-money laundering system or maybe their system is not perfect. Therefore, non-financial business hides a large risk of money laundering. How to strengthen the supervision on the risk of money laundering in non-financial business is a problem that both enterprises and countries should pay attention to. In view of the urgent need in practice, the anti-money laundering compliance system should be established in non-financial business.

At present, the theoretical research on anti-money laundering in China is mainly focused on the anti-money laundering strategy of the financial industry, but little on the non-financial industry. Even if there are some research of anti-money laundering strategy of non-financial industry, many scholars focus on the national legal system, policy arrangement, few people explore a new path from enterprises themselves. In view of the non-financial anti-money laundering and the non-financial anti-money laundering compliance in theory study is not enough, this paper intends to study the problems of anti-money laundering in the non-financial business and put forward implementation of the anti-money laundering compliance to explore the new solution to solve the problem of money laundering in non-financial business.

Therefore, this article chooses "designated non-financial business" as the research object, discusses the theme of compliance in designated non-financial business, plans to construct a both general and particular compliance program, in order to promote the concept of compliance become normalized, calling for designated non-financial business having their own compliance program as soon as possible. The main contents and structure of this paper are:

Chapter 1: analysis of the current situation of anti-money laundering in designated non-financial industries. There is a huge risk of money laundering hidden in designated non-financial industries, and the current situation of money laundering crimes in designated non-financial industries is characterized by numerous industries, strong concealment, and transnational (cross-border) money laundering, which increase the difficulty of anti-money laundering work in designated non-financial industries. In addition to the difficulties above, there are other regulatory difficulties. For instance, factors mentioned also raise the professional requirements for the anti-money laundering of designated non-financial industries, which makes the anti-money laundering work of specific non-financial industries need to be equipped with more professional and comprehensive staff in related fields. At the same time, China lacks the laws and regulations on designated non-financial business ,which makes the law executers confront the dilemma of"not having laws to obey". China is trying hard to do the anti-money laundering work in designated non-financial business, and has made some progress, especially in legislation. However, the implementation effect of the anti-money laundering work needs to be further improved.

Chapter 2: the trend of anti-money laundering policies in designated non-financial industries ——anti-money laundering compliance program. This chapter mainly discusses the necessity and feasibility of anti-money laundering compliance program in designated non-financial industry. The necessity for designated non-financial industries to move towards anti-money laundering compliance program lies in the defects of traditional supervision and the advantages of anti-money laundering compliance program, while the feasibility is demonstrated by the experiences of anti-laundering compliance in designated non-financial business in other countries , the experiences of compliance in financial industry in the world as well as the realistic foundation of compliance program in our country.

Chapter 3: Analysis on the elements of anti-money laundering compliance program for designated non-financial industries. This chapter starts with the common elements of the compliance plan, refers to the reference elements in the compliance plan of other industries, and sets up the basic framework of anti-money laundering compliance of designated non-financial industries. Then, based on the characteristics of anti-money laundering compliance and the beneficial experiences of the anti-money laundering compliance program in the financial industry, the special elements of anti-money laundering compliance are proposed. Finally, based on the characteristics of designated non-financial industries, the special elements of the money laundering compliance program of designated non-financial industries are proposed, so as to improve the compliance program of designated non-financial industries.

Chapter 4: game analysis of anti-money laundering compliance program of designated non-financial industry. This chapter establishes the game model between the country and the enterprise, analyzes the factors affecting the probability of implementing the anti-money laundering compliance program through the process of solving the game model, and puts forward countermeasures and suggestions based on the results of the game model.