Based on the understanding of the business development strategy and the current IT situation of the industry, and taking the "Five-Year IT Plan (2012-2016)" as the foundation, the existing IT governance and application architecture will be developed and improved. With the application of new technologies such as big data and cloud computing as the focus, relevant special plans will be completed. In this project, the time period covered by the IT planning is three years, and it will cover the bank and its affiliated rural banks.

The focus of this planning is to design a new-generation application system architecture for Internet applications. The new architecture fully considers the need for integration into the Internet ecosystem and aims to support the creation of new business models that are in harmony with the new era and new technologies over the next three years. Different from the SOA architecture during the "Twelfth Five-Year Plan" period, the new architecture has the following significant characteristics: channel construction based on platform thinking, lightweight scenario applications as much as possible, intelligent operation centered on customers, centralized operation and management of all bank products, componentization of basic products and services, digital marketing management, risk control in business processes, refined data analysis and management, and systematization of account services; 

At the planning level of the micro and small customer service platform, the core methodology of "one center, two enhancements and one reduction" (centered on customers, enhancing risk control capabilities and customer service efficiency, and reducing reliance on front-line personnel) was proposed. The service platform is based on big data, with offline branches as the foundation, combined with new channels such as self-media and third-party platforms, providing comprehensive services such as financing, wealth management, and payment. It offers integrated, digital, and intelligent services that are integrated offline and online, providing customers with simple, convenient, fast, efficient, precise, and risk-controlled business services. The platform is a business platform that offers services in a systematic manner.