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Twin AI satellites fast-track China's global space partnerships_我的网站

一虎一席谈

一 | 　　信用卡分期也能“薅”财政贴息了！一笔消费信贷，按年化1个百分点贴息，借款人一年最多可以省下5000元利息。　　8月21日，财政部、中国人民银行、国家金融监督管理总局联合印发《关于进一步做好财政金融协同促内需政策有关工作的通知》（财金〔2026〕71号，下称《通知》），在将信用卡专项分期、消费分期、预借现金分期等各类新发生的信用卡分期业务纳入财政贴息范围的同时，把每名借款人在单家经办机构可享受的累计贴息上限由每年3000元提高至5000元，政策自8月1日起施行。

People watch a Smart Dragon-3 carrier rocket, carrying Oriental Smart Eye hyperspectral satellites 01 and 02, blasting off from the sea near the city of Haiyang, east China's Shandong Province, Aug. 5, 2026. (Photo by Tang Ke/Xinhua)
A burst of flame lit the morning sky over waters off Haiyang in east China's Shandong Province on Wednesday as a Smart Dragon-3 (SD-3) carrier rocket lifted off, drawing cheers from viewing sites along the coast.
Among the spectators were international students studying aerospace subjects in China. Aithana Perez, a Venezuelan aeronautical engineer studying space project management at Hangzhou Innovation Institute of Beihang University, said she and her classmates were excited because their studies involved spacecraft launch, design and operation.
For Marwane Oufrid, a 23-year-old Moroccan student in the same institute specializing in microsatellite technology, it was the first time he had watched a rocket launch in person.
The rocket blasted off at 10:38 a.m. (Beijing Time), delivering the Oriental Smart Eye hyperspectral satellites 01 and 02 into planned orbit.
In their respective cooperation projects with Indonesia and Uzbekistan, Satellite 01 is also known as Lampung-1 and Satellite 02 as Samarkand-2028.
Once in orbit, the satellites turned their attention back toward Earth. Lampung-1 is expected to monitor crop growth and disaster risks in Indonesia, while Samarkand-2028 is designed to support cotton cultivation and other land-monitoring applications in Uzbekistan.
Ordinary optical cameras mainly record the shape and color of objects. Hyperspectral imagers record a detailed spectrum for each image pixel, creating "spectral fingerprints" that can help determine the condition and composition of vegetation, water, soil and minerals.
These spectral "eyes" are paired with onboard AI computing modules capable of delivering up to 400 trillion operations per second. Instead of sending every raw image to the ground, the satellites can identify features, detect anomalies and extract useful information in orbit, potentially shortening delivery time from days to minutes.
Song Bingchen, co-founder of the Star.ai Spatio-temporal Intelligence Technology Co., Ltd., whose subsidiary STAR.VISION developed the satellites, compared the system to moving an AI inference platform from the ground into space.
"It changes the traditional model from transmitting images to transmitting results," Song said.
"Our satellite constellations are open to the world," Song noted, adding that the company welcomes international partners to jointly invest in, build and use the satellite networks.
In Indonesia, Lampung-1's planned applications are centered in Lampung Province on the island of Sumatra. Agriculture, forestry and fisheries accounted for 28.38 percent of the provincial economy in the third quarter of 2025. The satellite will also support marine resource management, environmental monitoring and disaster response.
Rahmat Mirzani Djausal, governor of Indonesia's Lampung Province, described the successful launch as a "historic moment" for the province.
"Cooperation with China on this satellite project is of historic and strategic significance," he said. "It marks the beginning of Lampung's transformation into a technologically advanced province."
The governor commended China's openness in sharing space technology and its commitment to long-term cooperation.
"China understands that any problems we face on one side of the world will ultimately impact the other side. Therefore, it is essential to empower regions that are left behind to make the world ultimately a better place," he said.
This cooperation also extends to people. Lampung is preparing to send over 100 young professionals to China for training in remote sensing and satellite communications, with the goal of building local capacity in satellite operation, data processing and spatial analysis.
In Uzbekistan, the applications center on cotton, grain and vegetation monitoring. Samarkand-2028 is designed to follow cotton cultivation from sowing to harvesting, while Uzbekcosmos has said hyperspectral data will also be used to produce national cotton and wheat maps.
Mukhiddin Ibragimov, deputy director of the Uzbekcosmos Agency, described the project as one of the largest international space projects in Uzbekistan's history and a milestone in its national space program.
He called the launch "a great occasion," saying it was the first time Uzbekistan had participated in an international space mission of such scale.
Ibragimov said Uzbekistan sent a technical team to China early in the project and formed a working group with Chinese specialists to develop an AI model for onboard data analysis. This model focuses on crop classification, including cotton verification, grain identification and vegetation monitoring.
The resulting data will support agriculture, water resource management, environmental protection and emergency monitoring, among other applications, he revealed.
Ibragimov said no single country can handle all space-related tasks alone.
"We believe that partnership brings value. We see that China is doing the same thing," he said, adding that Uzbekistan is exploring further satellite cooperation with China.
The projects offer a commercial example of the approach set out in China's 2021 space white paper, which called for international cooperation based on equality, mutual benefit, peaceful utilization and inclusive development.
Back in Haiyang, Oufrid said projects of this kind could give more countries an opportunity to participate in the space sector. He expressed the hope to see such cooperation happen more often and "maybe someday with Morocco as well."
。　　《通知》印发后不到两天，工行、农行、中行、建行、交行、邮储银行六大国有大行密集发布客户问答，逐一明确实施细则。

二 | 　　据本报记者梳理，六大行在“提额”“扩围”上步调一致，但在协议签署与办理路径上并不相同：多数银行客户可“无感”适用新政，农行信用卡客户则需单独补签协议。　　两大核心调整：提额度、扩范围　　本次贴息优化的“含金量”，集中在提额度和扩范围上。　　首先是提额度。　　根据《通知》要求，每名借款人在单家经办机构可享受的个人消费贷款和信用卡分期业务累计贴息上限，由每年3000元提高至每年5000元。六大行在各自的解答中均明确跟进这一调整，交行、邮储还特别注明“后续如有调整，按国家最新政策要求执行”。　　其次是扩范围。

三 | 　　2025年8月，财政部等相关部门印发《个人消费贷款财政贴息政策实施方案》（财金〔2025〕80号），个人消费贷款财政贴息政策正式落地，彼时信用卡端仅有账单分期被纳入支持范围。本次《通知》将贴息范围进一步扩展至信用卡专项分期（含汽车分期、装修分期等）、消费分期（即商户分期）、预借现金分期（即现金分期）等各类分期产品。

四 | 　　这意味着，消费者在办理车贷式汽车分期、家装分期、商场POS分期，甚至现金分期时，都有机会享受财政贴息。同时，《通知》规定贴息比例为年化1个百分点。建行、农行、中行、邮储银行均在问答中明确年化1个百分点且不超过折算年化利率50%的上限安排。　　按各行问答，政策实施期内新办且各期账单也在实施期内生成的分期，经银行核验消费真实性、合规性后即可享受贴息。新政策实施期为2026年8月1日至12月31日。

五 | 　　农行还在公告中特别提到，在2026年8月1日至政策发布日（记者注：8月21日）之间已办理的信用卡分期可致电该行信用卡客服热线申请补发贴息。　　农行需客户主动补签，其余五大行“无感续签”　　虽然贴息核心规则由《通知》统一，但各家银行在“是否需要重新签协议”这一操作环节上，出现了明显分化。　　工行、中行、建行、交行、邮储五家银行均表示，此前已签署相关贴息服务协议的客户，系统将自动调整适用最新贴息政策，无需重新签订协议，最大程度便利客户。

六 | 　　例如，工行在公告中明确，已签订《中国工商银行个人消费贷款财政贴息服务协议》的客户将自动适用最新财政贴息政策（包括个人消费贷款与信用卡分期），无需重新签订协议。客户可通过工行App“贷款-财政贴息-个人消费贷款财政贴息”栏目查看协议。

七 | （六大行信用卡分期财政贴息细则，来源：本报记者依据六大行公告整理）　　而农行则是唯一一家要求客户主动签署补充协议的银行。客户需通过手机银行信用卡贴息专区、拨打信用卡客服热线或在申办信用卡分期业务时按提示签署相关协议，且每张信用卡需单独签署。协议生效后，每期分期账单生成时，农行将在收取分期利息时直接扣减贴息资金。（图源：农行官方微信号公告）　　贴息不是“免费午餐” 多类行为将被拒贴、追回　　红利加码，红线也同步划出。　　贴息资格上，农行、中行、建行、邮储银行均列明：信用卡使用中存在欺诈、虚假消费、资金流入非消费领域或其他违法违规行为的，不予财政贴息；农行、中行、邮储银行还把消费交易退款、逾期还款列为不予贴息情形。已享受贴息的，银行有权扣减或追回。工行进一步明确，对以违法违规手段套取贴息资金的借款人，追回已发放的贴息资金，并将其纳入个人征信记录。　　针对不法中介，六大行集体“亮剑”：办理贴息不收取任何额外费用，从未委托官方渠道以外的机构、人员代为办理，“包装贷”“职业背债人”“高评高贷”被点名禁止。各行均提示，切勿轻信官方渠道以外的电话、短信，谨防以“办理贴息”为名的诈骗。　　从80号文到71号文，个人消费贷款财政贴息政策走过一年，覆盖范围从部分个人消费贷款扩展至信用卡全品类分期，单家机构贴息上限提高至5000元，财政金融协同促内需的工具精度与力度同步升级。