The legal landscape is undergoing a profound transformation as artificial intelligence technologies take center stageThis shift is particularly evident in the judicial domain, where AI is becoming increasingly integrated into various processesFrom enhancing the efficiency of case handling to enabling intelligent generation of legal documents, AI is redefining how legal decisions are made.

One prominent area of concern in this transformation is financial disputesGiven the high degree of standardization and the sheer volume of cases, financial disputes have become focal points for innovation in legal proceedingsBoth intelligent element-based trials and AI-assisted case handling invariably include these disputes, responding to the ongoing challenges posed by a rising number of financial lawsuits and increasing difficulties in filing cases.

The introduction of large-scale models in the judicial system has prompted a shift in how judgments are rendered

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In the world of algorithms and data processing, standardized data is easier to manage, thereby facilitating the growth of intelligent element-based trialsAs early as January 2025, the Supreme People's Court vigorously promoted the use of "elemental complaints," streamlining the process for judges and enhancing the efficacy of intelligent trials.

Multiple respondents have shared their insights, indicating that local courts are actively pursuing data governance and the advancement of large model technologiesIn the near future, AI-assisted adjudication is expected to become the norm in the judiciaryBy prioritizing financial disputes in this reform process, the legal system not only broadens the litigation pathways but also significantly reduces both time and costs associated with legal proceedings for financial institutions.

For instance, since its launch in October 2024, the New Bridge Court in Wenzhou has implemented an innovative "AI Smart Trial System." Judge Cai Xinxing, utilizing this system, managed to resolve 16 cases in a single day without the presence of a collegial panel or court clerk, leading to a dramatic increase in trial efficiency.

One of the specific case types included in this system is the simplified financial loan contract disputes

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Reports indicate that during a hearing assisted by the AI system, the judge monitored the proceedings while the AI concurrently recorded themIn less than ten minutes after the court session concluded, a judgment document was automatically generated on the computer screenAfter a thorough review, the judge announced the verdict: the defendant, Lin, was ordered to repay the principal of 80,000 Yuan along with interest to the plaintiff, Ouhai Rural Commercial Bank.

Moreover, that same day, the judge was able to mediate six additional financial loan disputes utilizing the AI Smart Trial System.

"This significantly enhances judgment efficiency," remarked Judge Cai Xinxing"Previously, similar cases would take approximately 40 days from filing to hearing and conclusionNow, through the AI Smart Trial, the entire process takes just over ten days."

In discussions with seasoned professionals involved in banking and lending, they highlighted the characteristics of financial loan disputes: typically high stakes and a pronounced level of case standardization

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They revealed that compliance measures by financial institutions have improved significantly; most financial loan disputes have minimal factual disagreements—often revolving around debtors failing to repay debtsIn such instances, achieving debt collection or compensation for security often necessitates litigation to secure a favorable judgment for forced execution.

They also underscored that being able to resolve financial loan disputes in ten days would undeniably create more accessible litigation pathways for financial institutions, ultimately saving substantial time and costs.

The conversion to element-based adjudication exemplifies the necessity for a paradigm shift in judicial practices driven by advanced modelsIndustry insiders note that standardizing data is crucial for increasing efficiency and accuracy in legal processingBy extracting essential factual elements from case details, the courts can employ large model technologies which enable systems to automatically analyze case materials and identify key information, thereby offering judges enhanced decision-making support.

Reports indicate that numerous courts have begun adopting element-based decisions supported by advanced models

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For instance, the Shanghai Second Intermediate People’s Court and Baoshan District People's Court have focused on shareholder rights disputes, utilizing specific algorithms to employ digital methods for collecting informationThey have established processes for automated identification of complaint information, interaction with defense opinions, and real-time assistance in courtroom outlines, thus paving the way for an intelligent model for these cases.

Similarly, the Dongsheng Court in Ordos started developing a “full-chain element-based trial system” in 2022 focusing on private lending casesThey have made strides in automated extraction of essential elements, summarizing disputes intelligently, computing principal and interest, and automatically generating judicial documents.

The judicial sector is indeed undergoing an AI revolutionAs a field characterized by rigorous professional barriers, leveraging judicial big data presents numerous challenges

A frontline civil case officer from a grassroots court shared that AI assistance in case adjudication is undoubtedly the future of judicial developmentUtilizing large model technology will effectively facilitate the flow of complex versus simple cases, alleviating the conflict of "more cases with fewer judges.” Currently, AI systems are primarily piloted in select jurisdictions, with the Supreme People's Court and local high courts conducting periodic research activities to learn from advanced experiences.

In November 2024, the Supreme People's Court introduced a national-level legal AI infrastructure, the "Legal Trust Legal Base Model." This model was adapted from a groundbreaking model developed by Tsinghua University, integrating trillion-word legal datasets that have been meticulously labeled for high-quality professional relevanceThis initiative aims to promote uniformity in the application of law via digital and intelligent methods.

At the launch, relevant officials stated that the courts will actively explore the applications of AI in execution of judgments, resolution of disputes, and legal service provision.

However, it’s important to note that the rapid development of technology is increasingly creating tension between innovation and judicial safety