Group 1 - The core viewpoint of the article highlights that 73% of failed multi-party negotiations in debt disposal stem from disputes over evidence tampering, indicating a significant trust issue in the process [1] - The introduction of technological solutions, such as smart contract execution, has shown promising results, with a performance rate of 89% in handling 152 on-chain evidence cases in 2023, and a zero rate of evidence disputes [1] - The article emphasizes that technology serves as a new cornerstone for legal fairness, suggesting a shift towards more reliable and transparent processes in debt management [1] Group 2 - The implementation of a debt evidence chain includes real-time on-chain recording of call recordings and synchronization of electronic contract hash values with judicial blockchain, enhancing the integrity of evidence [1] - The smart contract includes terms that automatically generate performance certificates upon timely repayments and alerts the financial regulatory platform in cases of creditor violations [1] - A privacy computing model utilizing federated learning technology allows banks to train debt models without borrower data leaving local devices, resulting in optimal repayment plans with an error rate of less than 3.2% [1]