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  4月24日,以“海上生明月,九天揽星河”为主题的第十届中国航天日活动将在上海开幕。作为我国航天领域最具影响力的年度盛会,本届航天日活动聚焦“和平利用外层空间、构建人类命运共同体”的核心理念,展现中国航天科技服务全球、普惠民生的使命担当。中国太保作为官方合作伙伴,充分发挥风险管理专业优势,针对主场活动定制综合保障方案,提供全方位风险保障及专业服务,为航天日活动保驾护航。 

  中国太保不仅将专业的风险保障延伸至浩瀚太空,为中国航天的一次次壮丽腾飞保驾护航,更将来自星辰的“天眼”——卫星技术,巧妙地引回地面,赋能自身的风险管理,开创性地丰富了前沿科技的商业应用图景。

  护航星途:中国太保为中国航天注入“定心丸”

  中国太保自1991年成立以来,便始终与中国航天事业同频共振,以保险力量为每一次探索保驾护航。上世纪90年代,中国太保参与承保亚太通信卫星等国际项目。1995年亚太二号卫星发射失败后,在50天完成1.62亿美元赔付,比国际惯例提前50天,这赔出了中国太保的信誉,也确立了中国太保的市场地位。

  1997年,作为中国航天保险联合体(CAIP)核心成员,中国太保为长征系列火箭及风云气象卫星等国家重器提供保障,覆盖90%以上国内航天项目。2004年,中国航天保险市场迈入商业化运作新阶段,中国太保首席承保风云二号C卫星发射及在轨险,打响了市场化运作后的“第一枪”。自此,中国太保在航天保险领域的服务广度与深度不断拓展,累计提供风险保障高达65亿元人民币。

  面对蓬勃发展的商业航天,中国太保以创新产品支持民营力量:独家承保快舟火箭12次发射;为星河动力“谷神星一号”、蓝箭航天“朱雀二号”提供发射险及责任险;首席承保“吉林一号”星座“一箭41星”等高难度组网任务,覆盖商业卫星全生命周期风险。

  天眼赋能:卫星科技重塑保险风控版图

  中国太保创新运用卫星技术,突破传统保险边界,构建了“空天地一体化”风险管理体系。依托卫星遥感与GPS定位,实现大型工程全周期动态管理:承保前评估选址风险,建设中监控工程隐患,灾后快速生成损失图谱。

  2021年河南暴雨灾害中,卫星影像助力中国太保72小时内完成90%车险赔付,效率提升300%。针对地面沉降难题,创新引入DInSAR技术,以毫米级精度监测地表形变,构建“卫星遥感+地面监测+BIM模型”三位一体网络。在轨道交通项目中,该技术成功预警隧道沉降对周边建筑的影响,将风险处置窗口提前60天,赔付率下降45%。通过将航天技术深度植入保险场景,中国太保实现从“风险承担者”到“风险管理者”的跨越:风云卫星数据用于农业险精准定价,北斗导航赋能物流险动态风控,InSAR技术开辟工程险预防性服务新模式。近三年相关技术已减少潜在损失超20亿元。

  面向未来,中国太保将以“建设具有国际影响力的一流保险金融服务集团”为目标,在科技与金融的交汇点上持续开拓,为中国航天事业提供更坚实的风险保障,并持续探索卫星技术赋能百业的无限可能,以创新实践书写“仰望星空”与“脚踏实地”的融合篇章,为全球可持续发展注入新动能。 

  中新社北京4月23日电题:“小蚂蚁”怎样“译莎”?

  ——专访首都师范大学教授、博士生导师傅光明

  中新社记者王宗汉

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