Core Viewpoint - In July 2025, China's financial market underwent significant adjustments as major state-owned banks announced a reduction in deposit rates, coupled with regulatory pressures aimed at enhancing the efficiency of fund usage and preventing fund idling [1] Group 1: Challenges Faced by Legal Departments in Banks - Legal departments in banks are encountering unprecedented challenges due to external environmental changes and internal business process demands [1] - Traditional contract review management faces efficiency bottlenecks, with banks processing a large volume of contracts daily, leading to lengthy review cycles that hinder business progress [3] - There are concerns regarding risk management as paper contracts lack structured data support, making it easy to overlook critical clauses, which could result in significant financial losses [3] - Compliance pressures are severe due to rapidly evolving financial regulations, making it difficult for legal personnel to keep up with the latest compliance requirements [3] - Coordination obstacles arise from the involvement of multiple departments in contract reviews, leading to communication issues and delays in business operations [3] Group 2: Key Contract Types and Review Solutions - The review of corporate loan contracts is crucial as they directly impact the bank's asset quality and funding recovery [4] - Key review points for corporate loan contracts include clarity and enforceability of repayment terms, legality of collateral measures, and compliance of interest rate agreements with regulatory policies [5] - AI-driven solutions can enhance contract review efficiency by accurately extracting key information and identifying risk points through comparison with standard templates [6] - Financial derivatives contracts require careful scrutiny due to their complex and high-risk nature, with key review points focusing on risk disclosure, counterparty qualifications, and settlement methods [7][8] - AI technology can provide risk alerts and strategies when deviations from reasonable risk parameters are detected [10] - Interbank cooperation agreements necessitate clear definitions of cooperation details, equitable profit-sharing mechanisms, and practical dispute resolution clauses [11][12] - AI systems can recommend balanced clauses based on industry best practices to facilitate win-win agreements [13] - Asset management agreements are complex and require compliance with regulatory requirements, with key review points including the legality of nested structures and clarity of risk disclosure [14][15] - AI can automatically identify compliance issues in asset management agreements and suggest optimizations to protect investor rights [16] Group 3: Core Values of Legal AI Systems - Legal AI systems can significantly enhance efficiency by quickly identifying contract content and extracting key elements, allowing legal personnel to focus on complex legal issues [18] - These systems provide precise risk identification and management, reducing the likelihood of contract disputes and safeguarding the bank's legal rights [18] - Cost optimization is achieved through reduced review cycles and lower potential compensation risks from disputes, enhancing overall operational efficiency [18] - Decision-making is empowered by visual dashboards that present key information, aiding management in strategic adjustments and risk management [18] Group 4: Strategic Role of AI in Banking - AI applications have evolved from auxiliary tools to key drivers of strategic development in banks, enabling compliance and fostering business innovation [19] - The Law Dada iTerms Pro legal AI system exemplifies a product designed to enhance legal operations without replacing legal personnel, offering various capabilities to support compliance management [19]

4月21日，中共中央、国务院印发《关于实施自由贸易试验区提升战略的意见》，对自由贸易试验区建设工作作出系统部署。文件明确提出"推动电子提 单、电子仓单等电子票据应用，推动电子签名在国际联运无纸化运输领域的应用。推动电子签名在数字身份认证中的应用，开展数字身份互认试点。" 这一文件是当前中国推进高水平对外开放、构建新发展格局的重要举措，核心目标是通过制度创新和开放型经济升级，增强对外贸易综合竞争力，推动货 物贸易优化升级。电子签名，成为其中的重要角色。 作为国内领先的电子签名产品与解决方案提供商，法大大凭借其在数字化贸易基础设施的深厚积累，可为外贸企业提供全流程数字化解决方案。 一、政策影响：货物贸易优化升级的突破与利好 突破： 1. 贸易便利化创新 ·保税物流与通关优化 ·数字化与无纸化改革 2. 产业升级与新动能培育 ·现代产业集群建设 ·数字贸易与绿色贸易 3. 市场开放与国际规则对接 ·投资自由化便利化 ·对接国际高标准经贸规则 4. 风险防控与区域协同 ·数据安全与金融开放平衡 企业利好： 1. 成本降低：保税混配、通关简化等措施可降低企业物流和时间成本，例如陕西自贸试验区的跨境电商税款担保电子化，大 ...