X-Financial/server/rules/risk-rules/risk.travel.high.preapproval_absent.json

{
  "schema_version": "2.0",
  "rule_code": "risk.travel.high.preapproval_absent",
  "name": "差旅未申请或事后补申请高风险",
  "description": "申请或报销事由出现未申请、未审批、先报销后补申请等表达时，判定为差旅事前审批缺失风险。",
  "enabled": true,
  "requires_attachment": false,
  "risk_dimension": "travel_reimbursement_control",
  "risk_category": "差旅费-申请审批",
  "ontology_signal": "travel_preapproval_absent",
  "evaluator": "template_rule",
  "finance_rule_code": "expense.preapproval.policy",
  "finance_rule_sheet": "费用申请审批规则",
  "business_stage": [
    "expense_application",
    "reimbursement"
  ],
  "expense_types": [
    "travel"
  ],
  "applies_to": {
    "domains": [
      "expense",
      "travel"
    ],
    "expense_types": [
      "travel"
    ],
    "business_stages": [
      "expense_application",
      "reimbursement"
    ]
  },
  "inputs": {
    "fields": [
      {
        "key": "claim.reason",
        "label": "报销/申请事由",
        "type": "text",
        "source": "claim"
      },
      {
        "key": "item.item_reason",
        "label": "明细说明",
        "type": "text",
        "source": "item"
      },
      {
        "key": "attachment.ocr_text",
        "label": "票据 OCR 全文",
        "type": "text",
        "source": "attachment"
      }
    ]
  },
  "params": {
    "field_keys": [
      "claim.reason",
      "item.item_reason",
      "attachment.ocr_text"
    ],
    "search_fields": [
      "claim.reason",
      "item.item_reason",
      "attachment.ocr_text"
    ],
    "keywords": [
      "未申请",
      "无申请",
      "未审批",
      "未批准",
      "先报销",
      "事后申请",
      "补申请",
      "补报"
    ],
    "condition_summary": "差旅申请/报销文本命中未申请、未审批或事后补申请关键词。",
    "message_template": "识别到差旅未事前申请或事后补申请迹象，请补齐已审批的差旅申请后再提交。",
    "template_key": "keyword_match_v1",
    "finance_rule_code": "expense.preapproval.policy",
    "finance_rule_sheet": "费用申请审批规则",
    "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"
      }
    ]
  },
  "outcomes": {
    "pass": {
      "severity": "none",
      "action": "continue"
    },
    "fail": {
      "severity": "high",
      "action": "block",
      "risk_score": 92
    }
  },
  "metadata": {
    "owner": "admin",
    "stability": "admin_configured",
    "source_ref": "拆分基础规则：费用申请审批规则",
    "created_at": "2026-05-26T07:06:27.746703+00:00",
    "created_by": "admin",
    "risk_score": 92,
    "risk_level": "high",
    "rule_title": "差旅未申请或事后补申请高风险",
    "finance_rule_code": "expense.preapproval.policy",
    "finance_rule_sheet": "费用申请审批规则",
    "business_stage": [
      "expense_application",
      "reimbursement"
    ],
    "expense_types": [
      "travel"
    ],
    "implementation_note": "使用当前规则中心 JSON 风险规则执行器可识别的字段与模板配置。",
    "risk_level_label": "高风险",
    "risk_score_model": "risk_score_v3",
    "risk_score_detail": {
      "score": 92,
      "level": "high",
      "level_label": "高风险",
      "model": "risk_score_v3",
      "source": "admin_manual_travel_risk_catalog",
      "reason": "按差旅费报销高/中/低风险分层手工设定。"
    },
    "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"
      }
    ]
  },
  "severity": "high",
  "risk_score": 92,
  "risk_level": "high",
  "template_key": "keyword_match_v1",
  "risk_level_label": "高风险",
  "risk_score_detail": {
    "score": 92,
    "level": "high",
    "level_label": "高风险",
    "model": "risk_score_v3",
    "source": "admin_manual_travel_risk_catalog",
    "reason": "按差旅费报销高/中/低风险分层手工设定。"
  },
  "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"
    }
  ]
}