# loan risk management

Chinese Banks Ride Commercial Space: Satellites Become a New Tool for Loan Monitoring and Disaster Resilience

China Merchants Bank and Shanghai Pudong Development Bank have launched satellites into the Tianqi low‑Earth orbit constellation to bolster loan monitoring, improve disaster resilience and develop new data services. The launches underscore a trend of Chinese banks adopting commercial space assets to enhance risk controls, though regulatory, privacy and technical limits will shape adoption.