feat(crm): use settlement clause helper in save_template

Co-authored-by: Cursor <cursoragent@cursor.com>

backend/app/crud/crm/contract.py

@@ -30,6 +30,7 @@ from app.crud.crm.contract_product import (
 )
 from app.crud.crm.customer import get_customer
 from app.crud.crm.invoice_info import list_invoice_info_by_customer
+from app.services.crm_settlement_clause import default_settlement_clause
 from app.services.crm_supplier_hazard import assert_products_allowed_for_supplier
 from app.crud.crm.product import resolve_product_id_for_quote_item
 from app.crud.crm.quote import get_quote
@@ -1661,12 +1662,10 @@ def save_template(
     drafts = settlement_clause_drafts
     if not (drafts or "").strip():
         method = (entity.settlement_method or "").strip() or "arrive_payment"
-        default_clause = (
-            "款到发货。需方付款后安排发货，需方收到货物后，供方开具13%增值税专用发票。"
-            if method == "advance_payment"
-            else "货到付款，需方收到供方货物后，供方开具13%增值税专用发票，无异议后，以现汇方式月结。"
+        drafts = json.dumps(
+            {method: default_settlement_clause(method)},
+            ensure_ascii=False,
         )
-        drafts = json.dumps({method: default_clause}, ensure_ascii=False)
 
     entity.template_content = template_content or ""
     entity.settlement_clause_drafts = drafts