卫星遥感从田间起步 "'卫星+银行'绝非噱头，肯定是要解决银行客户尽调、风险管理、贷后监测等实际痛点。"苏商银行金融科技 高级研究员孙扬认为。 近期，招商银行"招银金葵号"卫星、浦发银行"浦银数智"卫星均成功发射，加入我国低轨卫星物联网相关 星座，加上此前布局的平安银行，目前国内已有三家股份制商业银行实现卫星发射。 业内普遍认为，银行自主发射卫星，意图在于布局智能风控，抢占前沿科技先手。事实上，即便尚未发射自有 卫星，网商银行、兴业银行等机构也依托商用卫星的发展，较早将卫星遥感技术应用于信贷业务场景。 随着卫星遥感这项"天眼"技术日趋成熟，再叠加人工智能、物联网等技术的协同，新一轮金融科技变革，正在 悄然改写银行业传统信贷的风控逻辑。 一直以来，银行最认可、最依赖的抵押物，始终是房屋、土地这类不动产。可像田间作物、养殖畜禽等农业资 产，以及商业库存这样的动产，不仅难以被视作优质抵押物，还会让银行在贷后监管中力不从心，集中体现为 风控难、风控管理成本高。 上述困境在农村金融中尤为突出。传统信贷在种植业贷前、贷中、贷后都受限于人员紧缺、地域偏远、周期长 等问题，难以大规模开展。 而卫星遥感技术在信贷领域的落地，正 ...

近日，招商银行"招银金葵号"、浦发银行"浦银数智"卫星成功发射升空，顺利进入预定轨道。此前，平 安银行的"平安1号""平安2号"物联网卫星分别于2020年和2022年发射。至此，我国已有3家头部股份制 银行的卫星在浩瀚宇宙中遨游。 技术赋能新尝试 据介绍，招商银行3年连发3星。继"招银1号""招银2号"低轨宽带卫星发射后，此次低轨窄带卫星"招银 金葵号"成功发射，标志招商银行"宽带+窄带"协同的招银系低轨卫星通信矩阵正式成型。 本次发射是"天启星座"继2025年5月完成一期全球组网后的增强卫星组。通过应用通信载荷自检、姿控 系统高可靠优化设计及高速下传等关键技术，卫星性能得到显著提升。例如，提升星座密度，缩短星座 重访间隔，实现更高频次的全球覆盖通信能力，同时提升数据传输量，支持更多终端设备并发。 提高风控能力 当地面通信因特殊情况中断时，卫星将帮助银行保持业务"在线"，提高金融基础设施韧性和稳定性。招 商银行已启动低轨卫星通信技术在金融灾备系统的应用验证，通过模拟地面网络中断场景，成功完成总 分行互联机房的低轨卫星链路切换测试，为"空天地一体"的金融应急通信网络奠定技术基础。浦发银行 表示，将依托"天启星座 ...

Core Viewpoint - The successful launch of "Zhaoyin Jinkui" and "Puyin Shuzhi" satellites marks a significant advancement in the banking sector's integration of satellite technology, enhancing financial services and risk management capabilities [1][2]. Group 1: Satellite Launches and Applications - The "Zhaoyin Jinkui" satellite and "Puyin Shuzhi" satellite are part of China's first global low-orbit satellite IoT constellation, "Tianqi Constellation," developed by Beijing Guodian Gaoke Technology Co., Ltd [1]. - Prior to this, China Merchants Bank launched "Zhaoyin 1" and "Zhaoyin 2" satellites in 2024 and 2025, respectively, while Ping An Bank launched "Ping An 1" and "Ping An 2" in 2020 and 2022 [1][2]. - The satellites are utilized in various fields such as supply chain finance, real estate risk monitoring, and cross-border asset and trade supervision, creating a digital risk control system and emergency communication network [1][2]. Group 2: Specific Applications and Innovations - Ping An Bank's "Ping An 1" satellite enables data transmission from remote areas, enhancing the bank's ability to monitor operational data from factories and farms [2]. - The "Ping An 2" satellite improves communication stability and helps the bank access real-time supply chain data, thereby enhancing its financial service capabilities [2][3]. - China Merchants Bank employs satellite technology for high-precision monitoring of real estate construction progress, achieving over 95% accuracy in risk management for mortgage projects [4]. Group 3: Emergency Communication and Risk Management - The banks emphasize the importance of satellite communication for emergency scenarios, allowing data transmission even in areas without ground signal coverage [6]. - China Merchants Bank has initiated tests for low-orbit satellite communication technology in its financial disaster recovery systems, enhancing business continuity in extreme situations [6]. - Ping An Bank and Shanghai Pudong Development Bank plan to leverage the "Tianqi Constellation" for innovative applications in financial asset lifecycle management and rapid recovery of essential financial services during disasters [6]. Group 4: Industry Trends and Future Directions - The banking sector's investment in satellite technology aligns with the rapid development of China's commercial space industry, with banks exploring various applications to enhance service delivery and reduce costs [7]. - China Merchants Bank's subsidiary has initiated the first domestic SPV satellite leasing business, addressing the financing needs of commercial space enterprises [7]. - Other banks, such as Industrial and Commercial Bank of China and Xingye Bank, are also integrating satellite remote sensing technology into their operations to improve risk management and monitoring capabilities [8].

记者丨曹媛 早在2020年、2022年前后，平安银行已发射"平安1号"和"平安2号"物联网卫星。如今三家头部股份行齐 聚太空，不禁让人好奇：一向深耕地面金融服务的银行，为何纷纷将目光投向浩瀚宇宙？ 编辑丨孙超逸 记者从业内了解到，银行热衷于发射卫星，并非追逐概念热度，有其清晰的商业逻辑和服务国家战略考 量。 1月16日，一道耀眼的尾焰划破山东日照的夜空，招商银行"招银金葵号"、浦发银行"浦银数智"卫星成 功发射升空，顺利进入预定轨道。 一是银行可依托遥感卫星技术实现对抵押物与项目进度的远程精准监控，极大提升贷后管理效率、降低 信贷风险。 记者了解到，两颗卫星均隶属于我国首个全球组网的低轨卫星物联网星座"天启星座"，由国家级专精特 新重点"小巨人"企业北京国电高科科技有限公司（简称"国电高科"）自主研发运营。 二是在重大自然灾害等极端场景下，进一步提升金融机构的业务连续性保障能力。 这，并非银行首次"触摸星空"。 三是通过深度参与火箭、卫星发射，服务国家战略，开拓金融服务赋能商业航天产业空间。 | 银行名称 | 卫星名称 | 发射时间 | | --- | --- | --- | | 平安银行 | 平安 1 号 ...

Core Viewpoint - The article discusses the recent satellite launches by major Chinese banks, highlighting their strategic shift towards utilizing satellite technology for enhancing financial services and risk management [1][4]. Group 1: Satellite Launches and Their Purpose - Three major banks, China Merchants Bank, Shanghai Pudong Development Bank, and Ping An Bank, have successfully launched satellites as part of their strategic initiatives to integrate satellite technology into their operations [4][5]. - The "Zhaoyin Jinqi" satellite launched by China Merchants Bank is designed to enhance global communication capabilities and improve data transmission efficiency, forming a comprehensive low-orbit satellite communication matrix [4][6]. - The "Puyin Shuzhi" satellite, launched simultaneously, is part of the "Tianqi Constellation" and aims to improve the performance and revisit time of the satellite network [4][6]. Group 2: Business Logic Behind Satellite Utilization - Banks are leveraging satellite technology for remote monitoring of collateral and project progress, significantly enhancing post-loan management efficiency and reducing credit risk [7][8]. - The use of satellite technology allows banks to gather unique spatial data, which can transform risk control and business models, addressing issues of information asymmetry in lending [7][9]. - For instance, China Merchants Bank has integrated remote sensing technology into its risk management system, achieving over 95% accuracy in monitoring construction progress of mortgage properties [8][9]. Group 3: Applications in Extreme Scenarios - In extreme scenarios such as natural disasters, satellite communication technology provides a solution to maintain business continuity when ground communication networks fail [12][13]. - China Merchants Bank has tested low-orbit satellite links for disaster recovery, establishing a foundation for an integrated emergency communication network [12][13]. Group 4: Supporting National Strategy and Commercial Space Industry - By participating in satellite launches, banks are aligning with national strategies and expanding financial services to support the commercial space industry [13][14]. - The banks are developing various services and products tailored to the needs of the commercial space sector, such as satellite leasing and financing solutions [14]. Group 5: Broader Industry Impact - The trend of banks utilizing satellite technology is expanding beyond a few players, with other banks also exploring applications in agriculture, environmental monitoring, and supply chain finance [14]. - Innovations such as satellite remote sensing applications are being adopted to enhance risk management and service delivery in various sectors, indicating a shift towards integrating advanced technologies in traditional banking practices [14].

Core Viewpoint - The recent successful launch of satellites by major banks in China, including China Merchants Bank and Shanghai Pudong Development Bank, signifies a strategic shift towards utilizing satellite technology for enhancing financial services and risk management in the banking sector [1][2][3]. Group 1: Satellite Launches and Their Purpose - China Merchants Bank and Shanghai Pudong Development Bank have joined Ping An Bank in launching satellites, indicating a trend among banks to leverage space technology for business needs [2][4]. - The satellites are part of the "Tianqi Constellation," which aims to provide global coverage and enhance communication capabilities, thereby improving data transmission and supporting more devices [4][5]. - The "Zhaoyin Jinkui" satellite launched by China Merchants Bank is designed to enhance the density of the satellite constellation and reduce revisit intervals, which will significantly improve global communication capabilities [4][5]. Group 2: Business and Risk Management Enhancements - Banks are utilizing remote sensing satellite technology for precise monitoring of collateral and project progress, which enhances post-loan management efficiency and reduces credit risk [3][7]. - The integration of satellite technology into financial risk control systems allows banks to monitor real-time data from various sectors, addressing information asymmetry in lending [7][8]. - For instance, China Merchants Bank has implemented a high-precision construction monitoring system for mortgage projects, achieving over 95% accuracy in monitoring construction progress [8]. Group 3: Applications in Supply Chain and Disaster Recovery - Satellite technology is crucial for expanding supply chain finance by providing timely and effective data transmission, especially in remote areas where traditional communication may fail [9][10]. - In extreme scenarios, such as natural disasters, satellite communication ensures business continuity for banks by maintaining service availability when ground networks are disrupted [11][12]. - The banks' involvement in satellite launches also aligns with national strategies, enabling them to support the commercial space industry while enhancing their service offerings [12][13]. Group 4: Broader Industry Implications - The trend of banks launching satellites is not limited to a few institutions; it is gradually permeating various banking operations, enhancing risk management capabilities across sectors like agriculture and logistics [13][14]. - The adoption of satellite remote sensing technology is becoming a standard practice in the banking industry, reflecting a shift towards innovative financial services that integrate advanced technologies [14].

Core Viewpoint - Multiple banks have recently launched satellites to enhance their risk management capabilities through satellite remote sensing technology, which allows for real-time monitoring of loan projects and collateral status, addressing the limitations of traditional inspection methods [3][5][6]. Group 1: Satellite Launches - On January 16, 2026, CMB's "Zhaoyin Jinkui" and SPDB's "Puyin Shuzhi" satellites were successfully launched, part of China's first global low Earth orbit satellite IoT constellation, "Tianqi Constellation" [1][3]. - This marks the third satellite launched by CMB, following "Zhaoyin 1" and "Zhaoyin 2" launched in December 2024 and March 2025, respectively [6]. Group 2: Technological Integration - The "Zhaoyin Jinkui" satellite is a low Earth orbit narrowband IoT satellite, complementing two previously launched broadband satellites, forming a collaborative communication matrix for CMB [5]. - CMB's remote sensing technology is integrated into its financial risk control system, achieving over 95% accuracy in monitoring construction progress of mortgage properties nationwide [5]. Group 3: Industry Trends - SPDB's "Puyin Shuzhi" satellite is part of the "Tianqi Constellation" and aims to enhance the bank's smart risk control and comprehensive service system, especially in extreme scenarios like natural disasters [8]. - The adoption of satellite remote sensing technology in the banking sector is becoming more widespread, with the costs of network deployment decreasing due to the ongoing commercial space boom [8].

Core Viewpoint - The recent surge in commercial aerospace has prompted banks to actively participate in satellite launches to enhance their risk control capabilities, utilizing satellite remote sensing technology for real-time monitoring of loan projects and collateral status [1][2]. Group 1: Satellite Launches by Banks - Multiple leading banks, including China Merchants Bank and Shanghai Pudong Development Bank, have successfully launched satellites, with the latest being "Zhaoyin Jinkui" and "Puyin Shuzhi" satellites, part of China's first global low-orbit satellite IoT constellation, "Tianqi Constellation" [2][3]. - The satellites are aimed at improving smart risk control and comprehensive service systems, especially in extreme scenarios like natural disasters, enabling rapid recovery and provision of essential financial services [2][3]. Group 2: Applications of Satellite Technology - The satellite technology is being utilized for post-loan monitoring, with China Merchants Bank achieving over 95% accuracy in monitoring construction progress of mortgage properties through high-resolution satellite imagery [2][3]. - The integration of satellite data is expected to enhance risk management and provide more precise financial products and services to clients [3]. Group 3: Industry Trends and Future Outlook - The use of satellite remote sensing technology is becoming an integral part of banks' digital risk control systems, with major banks like ICBC and Bank of China highlighting its role in enhancing credit risk management in their 2025 semi-annual reports [4]. - Smaller banks are also beginning to adopt satellite technology, with institutions like Shanghai Rural Commercial Bank integrating satellite remote sensing with big data and AI to improve risk control capabilities [5]. - As the costs of satellite launches and data procurement decrease, the penetration of satellite remote sensing technology in the banking sector is expected to increase, benefiting larger banks with complex business scenarios [5].

Core Viewpoint - The recent surge in commercial aerospace has prompted banks to actively participate in satellite launches to enhance their risk control capabilities, utilizing satellite remote sensing technology for real-time monitoring of loan projects and collateral status [1][2]. Group 1: Satellite Launches by Banks - Multiple leading banks, including China Merchants Bank and Shanghai Pudong Development Bank, have successfully launched satellites as part of the "Tianqi Constellation," China's first global low-orbit satellite IoT network [2]. - The satellites are aimed at improving smart risk control and comprehensive service systems, particularly in extreme scenarios like natural disasters, enabling rapid recovery and provision of essential financial services [2][3]. - China Merchants Bank's "Zhaoyin Jinkui" satellite is designed for post-loan monitoring, achieving over 95% accuracy in construction progress monitoring through high-resolution satellite imagery [2][3]. Group 2: Industry Trends and Applications - The use of satellite remote sensing technology is becoming increasingly common among banks, with several major banks already implementing it to optimize their business and risk management [3][4]. - The integration of satellite data is seen as a significant upgrade in risk control methods, particularly beneficial in areas like rural revitalization, green finance, and supply chain finance, addressing information asymmetry and reducing credit risks [4]. - Major banks, such as ICBC and Bank of China, have reported plans to enhance their credit risk management through satellite technology in their 2025 semi-annual reports [4]. Group 3: Future Prospects and Challenges - Smaller regional banks are also beginning to engage in satellite technology, with institutions like Shanghai Rural Commercial Bank enhancing their smart supply chain platforms through the integration of satellite remote sensing and other technologies [5]. - Analysts suggest that while the costs associated with satellite launches and data integration are currently high, larger banks are better positioned to adopt these technologies, whereas smaller banks may need to collaborate or procure data services [5]. - As the deployment of low-orbit satellite networks accelerates and data costs decrease, the penetration of satellite remote sensing technology in the banking sector is expected to increase [5].

Core Viewpoint - The "Wuhan No. 1" satellite is a comprehensive intelligent remote sensing satellite that significantly enhances urban management capabilities through high-frequency data acquisition and advanced imaging technologies [6][7]. Group 1: Satellite Features and Capabilities - "Wuhan No. 1" satellite features a high resolution of 0.5 meters, 10 meters for hyperspectral, and 30 meters for infrared imaging, along with video and night imaging capabilities [6]. - The satellite operates in a sun-synchronous orbit, allowing for continuous monitoring of urban dynamics, with a maximum coverage width of 30 kilometers during its 10-minute imaging window over Wuhan [6]. Group 2: Applications and Impact - The satellite is positioned to serve as a "heavenly eye" for urban governance, improving precision and efficiency in disaster warning, engineering supervision, and environmental protection [7]. - The satellite's data will support the "monthly update" goal for Wuhan's maps, enhancing urban planning and management [6]. Group 3: Collaborative Projects and Innovations - The "Wuhan No. 1" satellite is part of a project that integrates satellite data with drone technology for periodic monitoring of urban land use violations, marking a significant step in the fusion of satellite applications with urban governance [8]. - The collaboration aims to leverage the satellite's high-frequency imaging and the drone's rapid response capabilities for dynamic monitoring and precise alerts regarding land use changes [8].