2026年1月16日，招商银行"招银金葵号"和浦发银行"浦银数智"卫星成功发射入轨。 作为低轨窄带卫星物联网星座"天启星座"一期组网后发射的增强星，上述两颗银行系卫星在引人遥望之 余，留下更多讨论——银行为何开始发射卫星了？ 事实上，无论是在联名合作的台前，还是在为商业航天产业发展提供金融支持的背后，都不乏银行的身 影。这种看似遥远的"跨界"，实则蕴含着更为深层的联结：银行的数字金融基建版图借力航天技术 向"天空"拓展，商业航天产业因金融"燃料"补给而获得腾飞的动力。 银行业多路径"揽星" 记者从招商银行、浦发银行了解到，此次发射升空的"招银金葵号"和"浦银数智"卫星，由北京国电高科 科技有限公司（以下简称"国电高科"）设计研发。 这并非银行与商业卫星公司合作发射卫星的首例。在此之前，招商银行与低轨宽带卫星互联网星座"千 帆星座"合作，先后于2024年、2025年发射"招银1号""招银2号"两颗低轨宽带卫星；平安银行于2020 年、2022年就与国电高科合作，先后发射同隶属于"天启星座"的"平安1号""平安2号"，成为最早参与发 射卫星的商业银行。 依托低轨卫星，银行的金融资产管理、金融风控、金融应急通信等业 ...

Core Viewpoint - The recent launch of satellites by banks like China Merchants Bank and Shanghai Pudong Development Bank signifies a strategic move to integrate banking services with satellite technology, enhancing digital financial infrastructure and supporting the commercial space industry [1][2]. Group 1: Satellite Launch and Collaboration - The "Zhaoyin Jinkui" and "Puyin Shuzhi" satellites were launched as part of the "Tianqi Constellation" to enhance banking capabilities [1][2]. - This is not the first instance of banks collaborating with commercial satellite companies; previous launches include "Zhaoyin 1" and "Zhaoyin 2" by China Merchants Bank and "Ping An 1" and "Ping An 2" by Ping An Bank [2]. - Banks are adopting different paths in satellite technology, with some investing in satellite hardware while others opt for data procurement and processing [2][3]. Group 2: Applications and Benefits of Satellite Technology - The integration of low-orbit satellites is expected to enhance financial asset management, risk control, and emergency communication for banks [2][5]. - Banks like Industrial and Agricultural Bank of China are utilizing satellite remote sensing technology in supply chain finance and agricultural monitoring [4]. - The shift from purchasing satellite images to participating in satellite launches reflects banks' evolving strategies to address financial pain points and enhance long-term planning [5][6]. Group 3: Financial and Industrial Synergy - The collaboration between banks and satellite companies represents a deeper integration of finance and the aerospace industry, facilitating the development of innovative financial products [9][10]. - The commercial space industry in China has seen rapid growth, with significant satellite launches and a focus on integrating financial services to support this sector [8][10]. - Financial institutions are exploring various applications of satellite data, including green finance and agricultural insurance, to convert space data into tangible ground value [11]. Group 4: Cost and Future Outlook - The costs associated with launching commercial satellites are expected to decrease due to technological advancements and economies of scale, making satellite applications more accessible [7]. - Current costs for launching a satellite range from tens of millions to over a billion yuan, with expectations that by 2030, costs could drop significantly [7]. - The financial sector is increasingly involved in the commercial space industry, providing funding and establishing industry-specific funds to support satellite manufacturing and data applications [10][11].

Core Viewpoint - The company, Zhonghaidah (300177), is actively involved in the construction and application of the CORS network for major state-owned enterprises, enhancing the integration of satellite technology with various industries [1] Group 1: Company Involvement - The company has participated in the CORS network construction for State Grid, Southern Power Grid, China Mobile (600941), China National Petroleum Corporation, and China National Railway Group [1] - It is engaged in the deepening application and service upgrades of "Energy + Beidou", "5G + Beidou", and "Railway + Beidou" [1] - The company provides benchmark demonstration cases for several applications, including safety protection for personnel, operational safety scheduling, and disaster monitoring for major state-owned enterprises [1] Group 2: Technological Advancements - The company is following up on research related to low-orbit satellite technology and is preparing next-generation satellite integration products [1] - It aims to offer users more precise, intelligent, integrated, and flexible satellite services [1] Group 3: Service Capabilities - The company is enhancing its operational service capabilities in areas such as high-precision intelligent safety protection and smart operation monitoring [1] - It is involved in the planning, construction, and operation maintenance of Beidou time-space reference service networks [1]