3家股份银行的卫星先后上天 除了楼盘风险监测，还有什么神通？ 每经记者 李玉雯 每经编辑 文 多 近日，招商银行"招银金葵号"卫星与浦发银行"浦银数智"卫星在山东日照附近海域成功发射入轨。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"小巨人"企业北 京国电高科科技有限公司(以下简称国电高科)自主研发运营。 2020年12月22日，平安银行发射卫星"平安1号"，这是国内首颗由金融机构发射的卫星。 这颗物联网通信卫星能够不受地面通信的限制，收发地面卫星物联网设备终端的数据——比如偏远地区 工厂设备运行状态、牧场动物生命体征、车船行驶轨迹等，这些获得授权的经营数据会被及时传送给银 行。 彼时，平安银行就此部署介绍，其服务客群基数在不断扩大，需要更大的中台来承载万亿元级别的供应 链及数字金融资产，实现产业链自身内部、金融机构与产业链之间的信息流、资金流、物流的全面连 接。 一年多后，该行第二颗物联网卫星"平安2号"在2022年2月27日发射升空，相较"平安1号"，其通信链路 更加稳定。通过客户授权，它能够帮助银行高效、直观地掌握供应链上下游的真实经营数据等信息，进 一步提升供应 ...

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].