X-Financial/server/rules/risk-rules/risk.application.travel_large_without_preapproval.json

{
  "schema_version": "2.0",
  "rule_code": "risk.application.travel_large_without_preapproval",
  "name": "大额差旅未申请",
  "description": "多人出差、长周期出差或高金额差旅报销缺少出差申请。",
  "enabled": true,
  "requires_attachment": false,
  "risk_dimension": "expense_control_demo",
  "risk_category": "申请前置",
  "ontology_signal": "application_required",
  "evaluator": "template_rule",
  "template_key": "keyword_match_v1",
  "finance_rule_code": "expense.preapproval.policy",
  "finance_rule_sheet": "费用申请审批规则",
  "business_stage": [
    "reimbursement"
  ],
  "expense_types": [
    "travel"
  ],
  "budget_required": true,
  "applies_to": {
    "domains": [
      "expense"
    ],
    "expense_types": [
      "travel"
    ],
    "business_stages": [
      "reimbursement"
    ]
  },
  "inputs": {
    "fields": [
      {
        "key": "claim.amount",
        "label": "报销金额",
        "type": "number",
        "source": "claim"
      },
      {
        "key": "claim.expense_type",
        "label": "费用类型",
        "type": "enum",
        "source": "claim"
      },
      {
        "key": "claim.department_name",
        "label": "部门",
        "type": "text",
        "source": "claim"
      },
      {
        "key": "claim.reason",
        "label": "事由",
        "type": "text",
        "source": "claim"
      },
      {
        "key": "item.item_reason",
        "label": "明细说明",
        "type": "text",
        "source": "item"
      },
      {
        "key": "application.id",
        "label": "申请单",
        "type": "text",
        "source": "application"
      },
      {
        "key": "application.status",
        "label": "申请状态",
        "type": "enum",
        "source": "application"
      },
      {
        "key": "application.approved_amount",
        "label": "申请审批金额",
        "type": "number",
        "source": "application"
      },
      {
        "key": "application.expense_type",
        "label": "申请费用类型",
        "type": "enum",
        "source": "application"
      },
      {
        "key": "application.department_name",
        "label": "申请部门",
        "type": "text",
        "source": "application"
      }
    ]
  },
  "params": {
    "template_key": "keyword_match_v1",
    "field_keys": [
      "claim.amount",
      "claim.expense_type",
      "claim.department_name",
      "claim.reason",
      "item.item_reason",
      "application.id",
      "application.status",
      "application.approved_amount",
      "application.expense_type",
      "application.department_name"
    ],
    "search_fields": [
      "claim.reason",
      "item.item_reason",
      "claim.expense_type"
    ],
    "keywords": [
      "差旅申请",
      "大额差旅",
      "未申请"
    ],
    "condition_summary": "差旅金额达到大额阈值且缺少有效出差申请时触发。",
    "finance_rule_code": "expense.preapproval.policy",
    "finance_rule_sheet": "费用申请审批规则",
    "business_stage": [
      "reimbursement"
    ],
    "expense_types": [
      "travel"
    ],
    "budget_required": true,
    "basic_rule_code": "expense.preapproval.policy",
    "basic_rule_sheet": "费用申请审批规则",
    "basic_rule_refs": [
      {
        "code": "expense.preapproval.policy",
        "sheet": "费用申请审批规则",
        "name": "公司费用申请审批规则",
        "component": "preapproval"
      },
      {
        "code": "rule.expense.company_travel_expense_reimbursement",
        "sheet": "差旅住宿费标准",
        "name": "差旅住宿报销标准",
        "component": "lodging"
      },
      {
        "code": "rule.expense.company_travel_season_mapping",
        "sheet": "地区淡旺季映射表",
        "name": "地区淡旺季映射表",
        "component": "season_mapping"
      },
      {
        "code": "rule.expense.company_travel_transport_class",
        "sheet": "交通工具等级标准",
        "name": "交通工具等级标准",
        "component": "transport"
      },
      {
        "code": "rule.expense.company_travel_transport_estimate",
        "sheet": "交通费用预估表",
        "name": "交通费用预估表",
        "component": "transport_estimate"
      },
      {
        "code": "rule.expense.company_travel_allowance_reimbursement",
        "sheet": "出差补助标准",
        "name": "出差补助报销标准",
        "component": "allowance"
      }
    ]
  },
  "outcomes": {
    "pass": {
      "severity": "none",
      "action": "continue"
    },
    "fail": {
      "severity": "high",
      "action": "manual_review",
      "risk_score": 82
    }
  },
  "metadata": {
    "owner": "风控与审计部",
    "stability": "platform",
    "source_ref": "费用管控 Demo 风险规则库",
    "created_at": "2026-05-31T00:10:41.826264+00:00",
    "created_by": "system",
    "risk_score": 82,
    "risk_level": "high",
    "rule_title": "大额差旅未申请",
    "finance_rule_code": "expense.preapproval.policy",
    "finance_rule_sheet": "费用申请审批规则",
    "business_stage": [
      "reimbursement"
    ],
    "expense_types": [
      "travel"
    ],
    "budget_required": true,
    "basic_rule_code": "expense.preapproval.policy",
    "basic_rule_sheet": "费用申请审批规则",
    "basic_rule_refs": [
      {
        "code": "expense.preapproval.policy",
        "sheet": "费用申请审批规则",
        "name": "公司费用申请审批规则",
        "component": "preapproval"
      },
      {
        "code": "rule.expense.company_travel_expense_reimbursement",
        "sheet": "差旅住宿费标准",
        "name": "差旅住宿报销标准",
        "component": "lodging"
      },
      {
        "code": "rule.expense.company_travel_season_mapping",
        "sheet": "地区淡旺季映射表",
        "name": "地区淡旺季映射表",
        "component": "season_mapping"
      },
      {
        "code": "rule.expense.company_travel_transport_class",
        "sheet": "交通工具等级标准",
        "name": "交通工具等级标准",
        "component": "transport"
      },
      {
        "code": "rule.expense.company_travel_transport_estimate",
        "sheet": "交通费用预估表",
        "name": "交通费用预估表",
        "component": "transport_estimate"
      },
      {
        "code": "rule.expense.company_travel_allowance_reimbursement",
        "sheet": "出差补助标准",
        "name": "出差补助报销标准",
        "component": "allowance"
      }
    ]
  },
  "severity": "high",
  "risk_score": 82,
  "risk_level": "high",
  "basic_rule_code": "expense.preapproval.policy",
  "basic_rule_sheet": "费用申请审批规则",
  "basic_rule_refs": [
    {
      "code": "expense.preapproval.policy",
      "sheet": "费用申请审批规则",
      "name": "公司费用申请审批规则",
      "component": "preapproval"
    },
    {
      "code": "rule.expense.company_travel_expense_reimbursement",
      "sheet": "差旅住宿费标准",
      "name": "差旅住宿报销标准",
      "component": "lodging"
    },
    {
      "code": "rule.expense.company_travel_season_mapping",
      "sheet": "地区淡旺季映射表",
      "name": "地区淡旺季映射表",
      "component": "season_mapping"
    },
    {
      "code": "rule.expense.company_travel_transport_class",
      "sheet": "交通工具等级标准",
      "name": "交通工具等级标准",
      "component": "transport"
    },
    {
      "code": "rule.expense.company_travel_transport_estimate",
      "sheet": "交通费用预估表",
      "name": "交通费用预估表",
      "component": "transport_estimate"
    },
    {
      "code": "rule.expense.company_travel_allowance_reimbursement",
      "sheet": "出差补助标准",
      "name": "出差补助报销标准",
      "component": "allowance"
    }
  ]
}