diff --git a/web/src/assets/styles/components/document-list-shared.css b/web/src/assets/styles/components/document-list-shared.css
index 530e3d2..444cbc3 100644
--- a/web/src/assets/styles/components/document-list-shared.css
+++ b/web/src/assets/styles/components/document-list-shared.css
@@ -507,7 +507,8 @@ td small {
 
 .doc-kind-tag,
 .type-tag,
-.status-tag {
+.status-tag,
+.risk-level-tag {
   display: inline-flex;
   align-items: center;
   justify-content: center;
@@ -612,6 +613,49 @@ td small {
   color: #475569;
 }
 
+.risk-level-tags {
+  display: inline-flex;
+  align-items: center;
+  justify-content: center;
+  gap: 4px;
+  flex-wrap: wrap;
+}
+
+.risk-level-tag {
+  min-height: 24px;
+  padding: 0 8px;
+  border: 1px solid #e2e8f0;
+  border-radius: 4px;
+  background: #f8fafc;
+  color: #64748b;
+  font-size: 12px;
+  font-weight: 850;
+}
+
+.risk-level-tag.high {
+  border-color: #fecaca;
+  background: #fef2f2;
+  color: #dc2626;
+}
+
+.risk-level-tag.medium {
+  border-color: #fed7aa;
+  background: #fff7ed;
+  color: #c2410c;
+}
+
+.risk-level-tag.low {
+  border-color: #bfdbfe;
+  background: #eff6ff;
+  color: #2563eb;
+}
+
+.risk-level-tag.none {
+  border-color: #e2e8f0;
+  background: #f8fafc;
+  color: #64748b;
+}
+
 .list-foot {
   display: grid;
   grid-template-columns: 1fr auto 1fr;
diff --git a/web/src/assets/styles/components/stage-risk-advice-card.css b/web/src/assets/styles/components/stage-risk-advice-card.css
new file mode 100644
index 0000000..fd89b0a
--- /dev/null
+++ b/web/src/assets/styles/components/stage-risk-advice-card.css
@@ -0,0 +1,302 @@
+.employee-risk-profile-card {
+  display: grid;
+  gap: 10px;
+  padding: 12px 14px;
+}
+
+.employee-risk-head {
+  margin-bottom: 0;
+}
+
+.employee-risk-title-wrap {
+  min-width: 0;
+  display: flex;
+  align-items: center;
+  gap: 10px;
+}
+
+.detail-card h3 {
+  margin: 0;
+  color: #0f172a;
+  font-size: 14px;
+  font-weight: 850;
+}
+
+.detail-card-head h3 {
+  margin-bottom: 0;
+}
+
+.detail-card-title-with-icon {
+  display: inline-flex;
+  align-items: center;
+  gap: 6px;
+  line-height: 1.5;
+}
+
+.detail-card-title-with-icon i {
+  margin-top: 1px;
+  color: #334155;
+  font-size: 16px;
+  line-height: 1;
+}
+
+.employee-risk-tone-pill {
+  height: 22px;
+  display: inline-flex;
+  align-items: center;
+  padding: 0 8px;
+  border: 1px solid #dbe4ee;
+  border-radius: 4px;
+  background: #f8fafc;
+  color: #475569;
+  font-size: 11px;
+  font-weight: 850;
+  white-space: nowrap;
+}
+
+.employee-risk-tone-pill.normal {
+  border-color: #bbf7d0;
+  background: #f0fdf4;
+  color: #047857;
+}
+
+.employee-risk-tone-pill.medium {
+  border-color: #fed7aa;
+  background: #fff7ed;
+  color: #c2410c;
+}
+
+.employee-risk-tone-pill.high {
+  border-color: #fecaca;
+  background: #fef2f2;
+  color: #b91c1c;
+}
+
+.employee-risk-body {
+  display: grid;
+  gap: 10px;
+}
+
+.employee-risk-decision-panel {
+  display: grid;
+  grid-template-columns: minmax(0, 1fr) minmax(220px, 32%);
+  align-items: stretch;
+  gap: 12px;
+  padding: 12px;
+  border: 1px solid #e2e8f0;
+  border-radius: 4px;
+  background: #f8fafc;
+}
+
+.employee-risk-decision-panel.medium {
+  border-color: #fed7aa;
+  background: #fff7ed;
+}
+
+.employee-risk-decision-panel.high {
+  border-color: #fecaca;
+  background: #fef2f2;
+}
+
+.employee-risk-decision-main {
+  min-width: 0;
+  display: grid;
+  gap: 4px;
+}
+
+.employee-risk-decision-main > span,
+.employee-risk-decision-action span {
+  color: #64748b;
+  font-size: 10px;
+  font-weight: 850;
+  line-height: 1.5;
+}
+
+.employee-risk-decision-main strong {
+  min-width: 0;
+  color: #0f172a;
+  font-size: 13px;
+  font-weight: 850;
+  overflow-wrap: anywhere;
+}
+
+.employee-risk-decision-panel.medium .employee-risk-decision-main strong {
+  color: #c2410c;
+}
+
+.employee-risk-decision-panel.high .employee-risk-decision-main strong {
+  color: #b91c1c;
+}
+
+.employee-risk-decision-main p {
+  margin: 0;
+  color: #334155;
+  font-size: 12px;
+  line-height: 1.5;
+}
+
+.employee-risk-decision-action {
+  min-width: 0;
+  display: flex;
+  flex-direction: column;
+  align-items: flex-start;
+  justify-content: center;
+  gap: 5px;
+  padding: 10px 12px;
+  border: 1px solid #e2e8f0;
+  border-radius: 4px;
+  background: #fff;
+}
+
+.employee-risk-decision-action strong {
+  min-width: 0;
+  color: #0f172a;
+  font-size: 12px;
+  font-weight: 800;
+  line-height: 1.5;
+  overflow-wrap: anywhere;
+}
+
+.employee-risk-decision-action strong.medium {
+  color: #c2410c;
+}
+
+.employee-risk-decision-action strong.high {
+  color: #b91c1c;
+}
+
+.employee-risk-profile-section {
+  display: grid;
+  gap: 8px;
+  padding: 10px 12px;
+  border: 1px solid #e2e8f0;
+  border-radius: 4px;
+  background: #fff;
+}
+
+.employee-risk-section-head {
+  min-width: 0;
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 12px;
+}
+
+.employee-risk-section-head span {
+  color: #0f172a;
+  font-size: 12px;
+  font-weight: 850;
+}
+
+.employee-risk-section-head small {
+  min-width: 0;
+  color: #64748b;
+  font-size: 11px;
+  line-height: 1.5;
+  text-align: right;
+}
+
+.employee-risk-profile-list {
+  display: grid;
+  grid-template-columns: 1fr;
+  gap: 8px;
+}
+
+.employee-risk-evidence-row {
+  min-width: 0;
+  display: grid;
+  gap: 5px;
+  padding: 8px;
+  border: 1px solid #e2e8f0;
+  border-radius: 4px;
+  background: #f8fafc;
+}
+
+.employee-risk-evidence-row.medium {
+  border-color: #fed7aa;
+  background: #fffbf5;
+}
+
+.employee-risk-evidence-row.high {
+  border-color: #fecaca;
+  background: #fff7f7;
+}
+
+.employee-risk-evidence-title {
+  min-height: 20px;
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 8px;
+  color: #0f172a;
+  font-size: 11px;
+  font-weight: 850;
+}
+
+.employee-risk-evidence-title span {
+  min-width: 0;
+  overflow-wrap: anywhere;
+}
+
+.employee-risk-evidence-title strong {
+  height: 20px;
+  flex: 0 0 auto;
+  display: inline-grid;
+  place-items: center;
+  padding: 0 6px;
+  border-radius: 4px;
+  background: #eef2f7;
+  color: #475569;
+  font-size: 10px;
+  font-weight: 900;
+  white-space: nowrap;
+}
+
+.employee-risk-evidence-row.medium .employee-risk-evidence-title strong {
+  background: #ffedd5;
+  color: #c2410c;
+}
+
+.employee-risk-evidence-row.high .employee-risk-evidence-title strong {
+  background: #fee2e2;
+  color: #b91c1c;
+}
+
+.employee-risk-evidence-row ul {
+  display: grid;
+  gap: 3px;
+  margin: 0;
+  padding: 0;
+  list-style: none;
+  align-content: start;
+}
+
+.employee-risk-evidence-row li {
+  min-width: 0;
+  color: #475569;
+  font-size: 11px;
+  line-height: 1.45;
+  overflow-wrap: anywhere;
+  white-space: normal;
+}
+
+.employee-risk-muted {
+  margin: 0;
+  color: #94a3b8;
+  font-size: 11px;
+}
+
+@media (max-width: 960px) {
+  .employee-risk-decision-panel {
+    grid-template-columns: 1fr;
+  }
+
+  .employee-risk-title-wrap,
+  .employee-risk-section-head {
+    flex-wrap: wrap;
+  }
+
+  .employee-risk-section-head small {
+    text-align: left;
+  }
+}
diff --git a/web/src/assets/styles/views/documents-center-view.css b/web/src/assets/styles/views/documents-center-view.css
index 2b4605b..b84bc28 100644
--- a/web/src/assets/styles/views/documents-center-view.css
+++ b/web/src/assets/styles/views/documents-center-view.css
@@ -24,7 +24,7 @@
 .col-title { width: 16%; }
 .col-amount { width: 9%; }
 .col-node { width: 12%; }
-.col-status { width: 8%; }
+.col-risk { width: 8%; }
 .col-updated { width: 9%; }
 
 .new-document-badge {
diff --git a/web/src/assets/styles/views/travel-request-detail-view.css b/web/src/assets/styles/views/travel-request-detail-view.css
index 43d7ab3..27c93a3 100644
--- a/web/src/assets/styles/views/travel-request-detail-view.css
+++ b/web/src/assets/styles/views/travel-request-detail-view.css
@@ -2059,36 +2059,45 @@
   gap: 12px;
 }
 
-.risk-override-nav {
+.risk-override-card-shell {
   display: grid;
-  grid-template-columns: 34px minmax(0, 1fr) 34px;
-  align-items: center;
-  gap: 8px;
+  grid-template-columns: 28px minmax(0, 1fr) 28px;
+  align-items: stretch;
+  gap: 6px;
 }
 
-.risk-override-nav span {
+.risk-override-side-nav {
+  width: 28px;
+  min-height: 76px;
+  display: inline-flex;
+  align-items: center;
+  justify-content: center;
+  align-self: stretch;
+  border: 1px solid #dbe3ee;
+  border-radius: 4px;
+  background: #f8fafc;
+  color: #475569;
+  font-size: 16px;
+}
+
+.risk-override-side-nav:not(:disabled):hover {
+  border-color: #b8c5d6;
+  background: #eef4fb;
+  color: #1e293b;
+}
+
+.risk-override-side-nav:disabled {
+  cursor: not-allowed;
+  opacity: .48;
+}
+
+.risk-override-index {
   display: inline-flex;
   justify-content: center;
   color: #64748b;
   font-size: 12px;
   font-weight: 850;
-}
-
-.risk-override-nav-btn {
-  width: 34px;
-  height: 34px;
-  display: inline-flex;
-  align-items: center;
-  justify-content: center;
-  border: 1px solid #e2e8f0;
-  border-radius: 4px;
-  background: #fff;
-  color: #475569;
-}
-
-.risk-override-nav-btn:disabled {
-  cursor: not-allowed;
-  opacity: .48;
+  line-height: 1;
 }
 
 .risk-override-card {
@@ -2135,6 +2144,26 @@
   line-height: 1.6;
 }
 
+.risk-override-notes {
+  display: grid;
+  gap: 6px;
+  padding-top: 8px;
+  border-top: 1px dashed #cbd5e1;
+}
+
+.risk-override-notes span {
+  color: #64748b;
+  font-size: 11px;
+  font-weight: 850;
+}
+
+.risk-override-notes strong {
+  color: #0f172a;
+  font-size: 12px;
+  font-weight: 780;
+  line-height: 1.55;
+}
+
 .risk-override-guidance {
   display: grid;
   gap: 4px;
diff --git a/web/src/components/shared/ConfirmDialog.vue b/web/src/components/shared/ConfirmDialog.vue
index 98d199a..a2047f0 100644
--- a/web/src/components/shared/ConfirmDialog.vue
+++ b/web/src/components/shared/ConfirmDialog.vue
@@ -31,16 +31,27 @@
               class="shared-confirm-btn cancel"
               :disabled="busy"
               @click="handleCancel"
-            >
-              {{ cancelText }}
-            </button>
-            <button
-              type="button"
-              class="shared-confirm-btn confirm"
-              :class="confirmTone"
-              :disabled="busy"
-              @click="$emit('confirm')"
-            >
+            >
+              {{ cancelText }}
+            </button>
+            <button
+              v-if="secondaryText"
+              type="button"
+              class="shared-confirm-btn secondary"
+              :class="secondaryTone"
+              :disabled="busy"
+              @click="$emit('secondary')"
+            >
+              <i v-if="secondaryIcon" :class="secondaryIcon"></i>
+              <span>{{ secondaryText }}</span>
+            </button>
+            <button
+              type="button"
+              class="shared-confirm-btn confirm"
+              :class="confirmTone"
+              :disabled="busy || confirmDisabled"
+              @click="$emit('confirm')"
+            >
               <i v-if="confirmIcon" :class="busy ? 'mdi mdi-loading mdi-spin' : confirmIcon"></i>
               <span>{{ busy ? busyText : confirmText }}</span>
             </button>
@@ -60,18 +71,22 @@ const props = defineProps({
   badgeTone: { type: String, default: 'info' },
   title: { type: String, required: true },
   description: { type: String, default: '' },
-  cancelText: { type: String, default: '取消' },
-  confirmText: { type: String, default: '确认' },
+  cancelText: { type: String, default: '取消' },
+  secondaryText: { type: String, default: '' },
+  secondaryTone: { type: String, default: 'warning' },
+  secondaryIcon: { type: String, default: '' },
+  confirmText: { type: String, default: '确认' },
   busyText: { type: String, default: '处理中...' },
   confirmTone: { type: String, default: 'primary' },
   confirmIcon: { type: String, default: '' },
+  confirmDisabled: { type: Boolean, default: false },
   busy: { type: Boolean, default: false },
   closeOnMask: { type: Boolean, default: true },
   size: { type: String, default: 'default' },
   actionsAlign: { type: String, default: 'end' }
 })
 
-const emit = defineEmits(['close', 'cancel', 'confirm'])
+const emit = defineEmits(['close', 'cancel', 'secondary', 'confirm'])
 const instance = getCurrentInstance()
 
 const titleId = computed(() => `shared-confirm-title-${instance?.uid || 'dialog'}`)
@@ -213,15 +228,33 @@ function handleCancel() {
   transition: transform 160ms ease, box-shadow 160ms ease, border-color 160ms ease, background 160ms ease;
 }
 
-.shared-confirm-btn.cancel {
-  border: 1px solid #d7e0ea;
-  background: rgba(255, 255, 255, 0.92);
-  color: #475569;
-}
-
-.shared-confirm-btn.confirm {
-  border: 1px solid transparent;
-  color: #fff;
+.shared-confirm-btn.cancel {
+  border: 1px solid #d7e0ea;
+  background: rgba(255, 255, 255, 0.92);
+  color: #475569;
+}
+
+.shared-confirm-btn.secondary {
+  border: 1px solid rgba(245, 158, 11, 0.28);
+  background: rgba(255, 251, 235, 0.92);
+  color: #b45309;
+}
+
+.shared-confirm-btn.secondary.primary {
+  border-color: rgba(var(--theme-primary-rgb, 58, 124, 165), 0.28);
+  background: var(--theme-primary-soft);
+  color: var(--theme-primary-active);
+}
+
+.shared-confirm-btn.secondary.danger {
+  border-color: rgba(var(--danger-rgb), 0.24);
+  background: var(--danger-soft);
+  color: var(--danger-hover);
+}
+
+.shared-confirm-btn.confirm {
+  border: 1px solid transparent;
+  color: #fff;
 }
 
 .shared-confirm-btn.confirm.primary {
@@ -238,10 +271,15 @@ function handleCancel() {
   border-color: rgba(var(--theme-primary-rgb, 58, 124, 165), 0.3);
   color: var(--theme-primary-active);
 }
-
-.shared-confirm-btn.confirm:hover:not(:disabled) {
-  transform: translateY(-1px);
-}
+
+.shared-confirm-btn.secondary:hover:not(:disabled) {
+  border-color: rgba(245, 158, 11, 0.42);
+  background: rgba(254, 243, 199, 0.96);
+}
+
+.shared-confirm-btn.confirm:hover:not(:disabled) {
+  transform: translateY(-1px);
+}
 
 .shared-confirm-btn:disabled {
   cursor: not-allowed;
diff --git a/web/src/components/travel/StageRiskAdviceCard.vue b/web/src/components/travel/StageRiskAdviceCard.vue
index b39a14d..2f0fb48 100644
--- a/web/src/components/travel/StageRiskAdviceCard.vue
+++ b/web/src/components/travel/StageRiskAdviceCard.vue
@@ -3,7 +3,7 @@
     <div class="detail-card-head employee-risk-head">
       <div class="employee-risk-title-wrap">
         <h3 class="detail-card-title-with-icon">
-          <i class="mdi mdi-account-search-outline"></i>
+          <i class="mdi mdi-file-document-alert-outline"></i>
           <span>{{ stageTitle }}</span>
         </h3>
         <span :class="['employee-risk-tone-pill', decisionTone]">{{ decisionBadgeLabel }}</span>
@@ -11,45 +11,39 @@
     </div>
 
     <div class="employee-risk-body">
-      <section :class="['employee-risk-ai-note', decisionTone]">
-        <div class="employee-risk-ai-main">
-          <span>AI 审核建议</span>
+      <section :class="['employee-risk-decision-panel', decisionTone]">
+        <div class="employee-risk-decision-main">
+          <span>综合审核结论</span>
           <strong>{{ decisionTitle }}</strong>
           <p>{{ decisionDescription }}</p>
         </div>
-        <div v-if="compactAdviceItems.length" class="employee-risk-advice-list">
-          <p v-for="item in compactAdviceItems" :key="item">{{ item }}</p>
-        </div>
-        <div class="employee-risk-action">
-          <span>建议动作</span>
+        <div class="employee-risk-decision-action">
+          <span>建议结论</span>
           <strong :class="decisionTone">{{ decisionAction }}</strong>
         </div>
       </section>
 
-      <section class="employee-risk-profile-section">
+      <section class="employee-risk-profile-section" aria-label="单据风险依据">
         <div class="employee-risk-section-head">
           <span>{{ stageBasisTitle }}</span>
           <small>{{ stageBasisHint }}</small>
         </div>
-
-        <div class="employee-risk-profile-list">
-          <section
+        <div v-if="compactEvidenceItems.length" class="employee-risk-profile-list">
+          <article
             v-for="item in compactEvidenceItems"
             :key="item.code"
-            :class="['employee-risk-profile', item.tone]"
+            :class="['employee-risk-evidence-row', item.tone]"
           >
-            <div class="employee-risk-profile-title">
+            <div class="employee-risk-evidence-title">
               <span>{{ item.label }}</span>
-              <strong :class="item.tone">{{ item.status }}</strong>
+              <strong>{{ item.status }}</strong>
             </div>
-            <ul v-if="item.evidence.length" class="employee-risk-evidence-list">
-              <li v-for="basis in item.evidence" :key="basis">
-                {{ basis }}
-              </li>
+            <ul v-if="item.evidence.length">
+              <li v-for="basis in item.evidence" :key="basis">{{ basis }}</li>
             </ul>
-            <p v-else class="employee-risk-muted">暂无显著贡献项。</p>
-          </section>
+          </article>
         </div>
+        <p v-else class="employee-risk-muted">当前未识别到需要重点展示的单据风险依据。</p>
       </section>
     </div>
   </article>
@@ -81,6 +75,7 @@ export default {
   setup(props) {
     const requestModel = computed(() => props.request || {})
     const currentItems = computed(() => Array.isArray(props.expenseItems) ? props.expenseItems : [])
+    // 只消费语义层归一后的风险卡片，展示层不新增业务风险字段。
     const currentRiskCards = computed(() =>
       (Array.isArray(props.aiAdvice?.riskCards) ? props.aiAdvice.riskCards : [])
         .filter((card) => matchesCurrentStage(card, props.isApplicationDocument))
@@ -88,6 +83,7 @@ export default {
     )
     const highRiskCards = computed(() => currentRiskCards.value.filter((card) => normalizeTone(card?.tone) === 'high'))
     const mediumRiskCards = computed(() => currentRiskCards.value.filter((card) => normalizeTone(card?.tone) === 'medium'))
+    const riskExplanationItems = computed(() => uniqueTexts(currentRiskCards.value.flatMap((card) => riskExplanationTexts([card]))))
     const materialIssues = computed(() => props.isApplicationDocument ? [] : resolveReimbursementMaterialIssues(currentItems.value))
     const sceneIssues = computed(() => resolveSceneIssues(requestModel.value, currentItems.value, props.isApplicationDocument))
     const decisionTone = computed(() => {
@@ -100,14 +96,19 @@ export default {
       return 'normal'
     })
     const stageTitle = computed(() => props.isApplicationDocument ? '申请审核建议' : '报销审核建议')
-    const stageBasisTitle = computed(() => props.isApplicationDocument ? '申请环节风险依据' : '报销环节风险依据')
+    const stageBasisTitle = computed(() => props.isApplicationDocument ? '申请单风险依据' : '报销单风险依据')
     const stageBasisHint = computed(() => (
       props.isApplicationDocument
-        ? '只展示本次申请可能影响预算和审批的风险。'
-        : '只展示本次报销可能影响票据、金额和付款的风险。'
+        ? '仅展示申请单本身的金额、预算触发、事由和规则命中依据。'
+        : '仅展示报销单本身的票据、金额、行程和规则命中依据。'
     ))
     const decisionTitle = computed(() => resolveDecision(decisionTone.value, props.isApplicationDocument).title)
-    const decisionAction = computed(() => resolveDecision(decisionTone.value, props.isApplicationDocument).action)
+    const decisionAction = computed(() => {
+      if (!props.isApplicationDocument && riskExplanationItems.value.length && ['medium', 'high'].includes(decisionTone.value)) {
+        return '请核对已补充说明是否覆盖风险点，再决定通过或退回补充。'
+      }
+      return resolveDecision(decisionTone.value, props.isApplicationDocument).action
+    })
     const decisionBadgeLabel = computed(() => {
       if (decisionTone.value === 'high') {
         return '高风险'
@@ -120,6 +121,9 @@ export default {
     const decisionDescription = computed(() => {
       const riskCount = currentRiskCards.value.length
       if (riskCount) {
+        if (!props.isApplicationDocument && riskExplanationItems.value.length) {
+          return `当前报销已识别 ${riskCount} 个需核对风险点，用户已补充异常说明，审批人应核对说明与票据佐证是否充分。`
+        }
         return `${props.isApplicationDocument ? '当前申请' : '当前报销'}已识别 ${riskCount} 个需核对风险点，审批人应优先查看中高风险依据。`
       }
       if (materialIssues.value.length || sceneIssues.value.length) {
@@ -127,24 +131,13 @@ export default {
       }
       return `${props.isApplicationDocument ? '当前申请' : '当前报销'}未发现中高风险阻断项，可结合当前环节权限按流程处理。`
     })
-    const adviceItems = computed(() => {
-      const fromRiskCards = currentRiskCards.value
-        .map((card) => String(card?.suggestion || card?.risk || '').trim())
-        .filter(Boolean)
-      return uniqueTexts(fromRiskCards.length ? fromRiskCards : resolveDecision(decisionTone.value, props.isApplicationDocument).advice).slice(0, 4)
-    })
-    const compactAdviceItems = computed(() => adviceItems.value.slice(0, 2))
-
     const stageEvidenceItems = computed(() => (
       props.isApplicationDocument ? buildApplicationEvidence() : buildReimbursementEvidence()
     ))
     const compactEvidenceItems = computed(() => {
       const abnormalItems = stageEvidenceItems.value.filter((item) => isAbnormalEvidence(item))
       const sourceItems = abnormalItems.length ? abnormalItems : stageEvidenceItems.value
-      return sourceItems.slice(0, 3).map((item) => ({
-        ...item,
-        evidence: item.evidence.slice(0, 2)
-      }))
+      return sourceItems.map((item) => ({ ...item }))
     })
 
     function buildApplicationEvidence() {
@@ -156,7 +149,7 @@ export default {
           `申请金额：${displayValue(requestModel.value.amountDisplay || requestModel.value.amount, '待确认')}`,
           ...riskTexts(amountCards)
         ]),
-        evidenceItem('apply_budget', '预算影响', budgetCards.length ? '需复核' : '未命中', budgetCards.length ? highestTone(budgetCards) : 'normal', (
+        evidenceItem('apply_budget', '预算触发规则', budgetCards.length ? '需复核' : '未命中', budgetCards.length ? highestTone(budgetCards) : 'normal', (
           budgetCards.length ? riskTexts(budgetCards) : ['当前申请暂未命中预算余额或预算占用类中高风险。']
         )),
         evidenceItem('apply_scene', '申请事由与场景', sceneIssues.value.length ? '待补充' : '已说明', sceneIssues.value.length ? 'medium' : 'normal', [
@@ -172,32 +165,39 @@ export default {
     }
 
     function buildReimbursementEvidence() {
-      const attachmentCards = currentRiskCards.value.filter((card) => /附件|票据|发票|OCR|识别|单据/.test(cardText(card)))
-      const amountCards = currentRiskCards.value.filter((card) => /金额|标准|阈值|超标|不一致/.test(cardText(card)))
-      const routeCards = currentRiskCards.value.filter((card) => /城市|行程|住宿|交通|出差|地点|日期|时间/.test(cardText(card)))
+      const riskGroups = classifyReimbursementRiskCards(currentRiskCards.value)
+      const attachmentCards = riskGroups.attachment
+      const amountCards = riskGroups.amount
+      const routeCards = riskGroups.route
+      const otherCards = riskGroups.other
       const needAttachmentItems = currentItems.value.filter((item) => !item?.isSystemGenerated)
       const uploadedCount = needAttachmentItems.filter((item) => String(item?.invoiceId || '').trim()).length
-      return [
+      const evidenceItems = [
         evidenceItem('reimburse_attachment', '票据与附件', materialIssues.value.length || attachmentCards.length ? '需核对' : '完整', materialIssues.value.length || attachmentCards.length ? highestTone(attachmentCards, 'medium') : 'normal', [
           `需附件明细 ${needAttachmentItems.length} 条，已关联 ${uploadedCount} 条，未上传 ${materialIssues.value.length} 条。`,
           ...materialIssues.value.slice(0, 3),
           ...riskTexts(attachmentCards)
         ]),
         evidenceItem('reimburse_amount', '报销金额与明细', amountCards.length ? '需复核' : '正常', amountCards.length ? highestTone(amountCards) : 'normal', [
+          ...riskTexts(amountCards),
+          ...riskExplanationTexts(amountCards),
           `报销金额：${displayValue(requestModel.value.amountDisplay || requestModel.value.amount, '待确认')}`,
-          `费用明细：${currentItems.value.length} 条，明细合计 ${formatCurrency(totalItemAmount(currentItems.value))}。`,
-          ...riskTexts(amountCards)
+          `费用明细：${currentItems.value.length} 条，明细合计 ${formatCurrency(totalItemAmount(currentItems.value))}。`
         ]),
         evidenceItem('reimburse_route', '行程/时间/地点', routeCards.length || sceneIssues.value.length ? '需核对' : '已匹配', routeCards.length ? highestTone(routeCards) : sceneIssues.value.length ? 'medium' : 'normal', [
+          ...riskTexts(routeCards),
+          ...riskExplanationTexts(routeCards),
           `报销事由：${displayValue(requestModel.value.reason, '待补充')}`,
           `报销地点/目的地：${displayValue(requestModel.value.location || requestModel.value.sceneTarget, '待补充')}`,
-          ...sceneIssues.value.map((item) => `当前缺少：${item}`),
-          ...riskTexts(routeCards)
-        ]),
-        evidenceItem('reimburse_risk', '报销规则命中', currentRiskCards.value.length ? '有风险' : '无异常', decisionTone.value, (
-          currentRiskCards.value.length ? riskTexts(currentRiskCards.value) : ['报销环节未命中中高风险规则。']
-        ))
+          ...sceneIssues.value.map((item) => `当前缺少：${item}`)
+        ])
       ]
+      if (otherCards.length || (!amountCards.length && !routeCards.length && !attachmentCards.length)) {
+        evidenceItems.push(evidenceItem('reimburse_risk', '其他规则命中', otherCards.length ? '有风险' : '无异常', otherCards.length ? highestTone(otherCards) : decisionTone.value, (
+          otherCards.length ? riskTexts(otherCards) : ['报销环节未命中中高风险规则。']
+        )))
+      }
+      return evidenceItems
     }
 
     function evidenceItem(code, label, status, tone, evidence) {
@@ -211,8 +211,6 @@ export default {
     }
 
     return {
-      adviceItems,
-      compactAdviceItems,
       compactEvidenceItems,
       decisionBadgeLabel,
       decisionTone,
@@ -232,18 +230,15 @@ function resolveDecision(tone, isApplicationDocument) {
   const map = {
     normal: {
       title: `当前${subject}未发现中高风险阻断项`,
-      action: `可按权限继续审批${isApplicationDocument ? '，系统会按预算结果决定是否跳过预算复核。' : '，后续进入财务或付款流程。'}`,
-      advice: [`按当前${subject}信息、预算/票据结果和审批权限继续处理。`, '如审批人掌握额外业务背景，可在审批意见中补充。']
+      action: `可按权限继续审批${isApplicationDocument ? '，系统会按预算结果决定是否跳过预算复核。' : '，后续进入财务或付款流程。'}`
     },
     medium: {
       title: `当前${subject}存在中风险，建议核对后处理`,
-      action: isApplicationDocument ? '建议核对预算占用、申请事由和金额依据后再通过。' : '建议核对票据、金额和业务说明后再通过。',
-      advice: ['请优先核对橙色风险项对应的业务说明、金额和材料。', '信息补齐或说明充分后，再决定通过或退回。']
+      action: isApplicationDocument ? '建议核对预算占用、申请事由和金额依据后再通过。' : '建议核对票据、金额和业务说明后再通过。'
     },
     high: {
       title: `当前${subject}存在高风险，不建议直接通过`,
-      action: isApplicationDocument ? '建议退回补充申请依据，或要求预算管理者复核。' : '建议退回补充票据、行程说明或超标原因。',
-      advice: ['请优先处理红色高风险项，核对命中规则和业务佐证。', '若属于真实业务例外，应要求申请人补充原因和证明材料。']
+      action: isApplicationDocument ? '建议退回补充申请依据，或要求预算管理者复核。' : '建议退回补充票据、行程说明或超标原因。'
     }
   }
   return map[tone] || map.normal
@@ -258,6 +253,40 @@ function isAbnormalEvidence(item) {
   return !['正常', '未命中', '已说明', '完整', '已匹配', '无异常'].includes(status)
 }
 
+function classifyReimbursementRiskCards(cards = []) {
+  const groups = {
+    attachment: [],
+    amount: [],
+    route: [],
+    other: []
+  }
+  for (const card of cards) {
+    const text = cardText(card)
+    if (isAmountRiskText(text)) {
+      groups.amount.push(card)
+    } else if (isRouteRiskText(text)) {
+      groups.route.push(card)
+    } else if (isAttachmentRiskText(text)) {
+      groups.attachment.push(card)
+    } else {
+      groups.other.push(card)
+    }
+  }
+  return groups
+}
+
+function isAmountRiskText(value) {
+  return /金额|标准|阈值|超标|超出|报销标准|住宿标准|差标|费用上限/.test(String(value || ''))
+}
+
+function isRouteRiskText(value) {
+  return /多城市|中转|多地|改签|城市|行程|交通|出差|地点|日期|时间|目的地|起始地|返回|火车|高铁|机票|航班/.test(String(value || ''))
+}
+
+function isAttachmentRiskText(value) {
+  return /附件|票据|发票|OCR|识别|单据/.test(String(value || ''))
+}
+
 function matchesCurrentStage(card, isApplicationDocument) {
   const businessStage = resolveCardBusinessStage(card)
   if (businessStage) {
@@ -367,11 +396,33 @@ function highestTone(cards, fallback = 'normal') {
 
 function riskTexts(cards) {
   return cards
-    .map((card) => String(card?.risk || card?.summary || card?.title || '').trim())
+    .map((card) => stripEmbeddedExplanationText(card?.risk || card?.summary || card?.title || ''))
     .filter(Boolean)
     .slice(0, 4)
 }
 
+function riskExplanationTexts(cards) {
+  return uniqueTexts(cards.flatMap((card) => {
+    const summary = String(card?.relatedExplanationSummary || '').trim()
+    const entries = Array.isArray(card?.relatedExplanations)
+      ? card.relatedExplanations.map((item) => String(item?.text || item?.note || '').trim())
+      : []
+    if (summary) {
+      return [`已补充异常说明：${summary}`]
+    }
+    return entries.map((item) => item ? `已补充异常说明：${item}` : '')
+  })).slice(0, 4)
+}
+
+function stripEmbeddedExplanationText(value) {
+  return String(value || '')
+    .trim()
+    .replace(/，?用户已在相关费用明细补充异常说明[^。；;]*[。；;]?/g, '')
+    .replace(/，?用户已在费用明细补充异常说明[^。；;]*[。；;]?/g, '')
+    .replace(/[，,；;。]+$/g, '')
+    .trim()
+}
+
 function cardText(card) {
   return [
     card?.label,
@@ -413,327 +464,4 @@ function uniqueTexts(values) {
 }
 </script>
 
-<style scoped>
-.employee-risk-profile-card {
-  display: grid;
-  gap: 10px;
-  padding: 12px 14px;
-}
-
-.employee-risk-head {
-  margin-bottom: 0;
-}
-
-.employee-risk-title-wrap {
-  min-width: 0;
-  display: flex;
-  align-items: center;
-  gap: 10px;
-}
-
-.detail-card h3 {
-  margin: 0;
-  color: #0f172a;
-  font-size: 14px;
-  font-weight: 850;
-}
-
-.detail-card-head h3 {
-  margin-bottom: 0;
-}
-
-.detail-card-title-with-icon {
-  display: inline-flex;
-  align-items: center;
-  gap: 6px;
-  line-height: 1.5;
-}
-
-.detail-card-title-with-icon i {
-  margin-top: 1px;
-  color: #334155;
-  font-size: 16px;
-  line-height: 1;
-}
-
-.employee-risk-tone-pill {
-  height: 22px;
-  display: inline-flex;
-  align-items: center;
-  padding: 0 8px;
-  border: 1px solid #dbe4ee;
-  border-radius: 4px;
-  background: #f8fafc;
-  color: #475569;
-  font-size: 11px;
-  font-weight: 850;
-  white-space: nowrap;
-}
-
-.employee-risk-tone-pill.normal {
-  border-color: #bbf7d0;
-  background: #f0fdf4;
-  color: #047857;
-}
-
-.employee-risk-tone-pill.medium {
-  border-color: #fed7aa;
-  background: #fff7ed;
-  color: #c2410c;
-}
-
-.employee-risk-tone-pill.high {
-  border-color: #fecaca;
-  background: #fef2f2;
-  color: #b91c1c;
-}
-
-.employee-risk-profile-title strong.normal {
-  background: #ecfdf5;
-  color: #047857;
-}
-
-.employee-risk-profile-title strong.medium {
-  background: #fff7ed;
-  color: #c2410c;
-}
-
-.employee-risk-profile-title strong.high {
-  background: #fef2f2;
-  color: #b91c1c;
-}
-
-.employee-risk-body {
-  display: grid;
-  gap: 10px;
-}
-
-.employee-risk-ai-note,
-.employee-risk-profile {
-  border: 1px solid #e2e8f0;
-  border-radius: 4px;
-  background: #fff;
-}
-
-.employee-risk-ai-note > span,
-.employee-risk-ai-main > span,
-.employee-risk-section-head span {
-  color: #64748b;
-  font-size: 10px;
-  font-weight: 850;
-}
-
-.employee-risk-ai-note strong,
-.employee-risk-ai-main strong {
-  min-width: 0;
-  color: #0f172a;
-  font-size: 13px;
-  font-weight: 850;
-  overflow-wrap: anywhere;
-}
-
-.employee-risk-ai-note {
-  display: grid;
-  grid-template-columns: minmax(0, 1fr);
-  align-items: start;
-  gap: 10px;
-  padding: 10px 12px;
-  background: #f8fafc;
-}
-
-.employee-risk-ai-main {
-  min-width: 0;
-  display: grid;
-  gap: 4px;
-}
-
-.employee-risk-ai-note.medium {
-  border-color: #fed7aa;
-  background: #fff7ed;
-}
-
-.employee-risk-ai-note.high {
-  border-color: #fecaca;
-  background: #fef2f2;
-}
-
-.employee-risk-ai-note.medium strong {
-  color: #c2410c;
-}
-
-.employee-risk-ai-note.high strong {
-  color: #b91c1c;
-}
-
-.employee-risk-ai-note p {
-  margin: 0;
-  color: #334155;
-  font-size: 12px;
-  line-height: 1.5;
-}
-
-.employee-risk-advice-list {
-  display: grid;
-  grid-column: 1 / -1;
-  gap: 4px;
-  margin-top: -2px;
-}
-
-.employee-risk-action {
-  grid-column: 1 / -1;
-  display: flex;
-  align-items: center;
-  justify-content: center;
-  flex-wrap: wrap;
-  gap: 8px;
-  min-width: 0;
-  padding: 8px 10px;
-  border: 1px solid #e2e8f0;
-  border-radius: 4px;
-  background: #fff;
-  text-align: center;
-}
-
-.employee-risk-action span {
-  flex: 0 0 auto;
-  color: #64748b;
-  font-size: 10px;
-  font-weight: 800;
-  line-height: 1.5;
-}
-
-.employee-risk-action strong {
-  min-width: 0;
-  color: #0f172a;
-  font-size: 12px;
-  font-weight: 800;
-  line-height: 1.5;
-  text-align: center;
-}
-
-.employee-risk-action strong.medium {
-  color: #c2410c;
-}
-
-.employee-risk-action strong.high {
-  color: #b91c1c;
-}
-
-.employee-risk-advice-list p {
-  margin: 0;
-  padding-left: 8px;
-  border-left: 2px solid #cbd5e1;
-  color: #475569;
-  font-size: 12px;
-  line-height: 1.5;
-}
-
-.employee-risk-profile-section {
-  display: grid;
-  gap: 6px;
-}
-
-.employee-risk-section-head {
-  display: flex;
-  align-items: center;
-  justify-content: space-between;
-  gap: 8px;
-}
-
-.employee-risk-section-head small {
-  color: #94a3b8;
-  font-size: 10px;
-  font-weight: 700;
-}
-
-.employee-risk-profile-list {
-  display: grid;
-  gap: 6px;
-  align-items: start;
-}
-
-.employee-risk-profile {
-  min-width: 0;
-  display: grid;
-  grid-template-columns: 142px minmax(0, 1fr);
-  gap: 10px;
-  min-height: 0;
-  padding: 8px 10px;
-}
-
-.employee-risk-profile.medium {
-  border-color: #fed7aa;
-  background: #fffaf4;
-}
-
-.employee-risk-profile.high {
-  border-color: #fecaca;
-  background: #fff7f7;
-}
-
-.employee-risk-profile-title {
-  display: flex;
-  align-items: center;
-  justify-content: space-between;
-  gap: 8px;
-  min-height: 22px;
-  color: #0f172a;
-  font-size: 12px;
-  font-weight: 850;
-}
-
-.employee-risk-profile-title span {
-  min-width: 0;
-  overflow: hidden;
-  text-overflow: ellipsis;
-  white-space: nowrap;
-}
-
-.employee-risk-profile-title strong {
-  width: 48px;
-  height: 20px;
-  flex: 0 0 48px;
-  display: inline-grid;
-  place-items: center;
-  border-radius: 4px;
-  font-size: 10px;
-  font-weight: 900;
-  white-space: nowrap;
-}
-
-.employee-risk-evidence-list {
-  display: grid;
-  gap: 3px;
-  margin: 0;
-  padding: 0;
-  list-style: none;
-  align-content: start;
-}
-
-.employee-risk-evidence-list li {
-  min-width: 0;
-  color: #475569;
-  font-size: 11px;
-  line-height: 1.45;
-  overflow: hidden;
-  text-overflow: ellipsis;
-  white-space: nowrap;
-}
-
-.employee-risk-muted {
-  margin: 0;
-  color: #94a3b8;
-  font-size: 11px;
-}
-
-@media (max-width: 960px) {
-  .employee-risk-ai-note,
-  .employee-risk-profile {
-    grid-template-columns: 1fr;
-  }
-
-  .employee-risk-title-wrap {
-    flex-wrap: wrap;
-  }
-}
-</style>
+<style scoped src="../../assets/styles/components/stage-risk-advice-card.css"></style>
diff --git a/web/src/components/travel/TravelRequestApprovalDialog.vue b/web/src/components/travel/TravelRequestApprovalDialog.vue
index ebb00e5..b480ead 100644
--- a/web/src/components/travel/TravelRequestApprovalDialog.vue
+++ b/web/src/components/travel/TravelRequestApprovalDialog.vue
@@ -10,10 +10,36 @@
     :busy-text="busyText"
     confirm-tone="primary"
     confirm-icon="mdi mdi-check-circle-outline"
+    :confirm-disabled="confirmDisabled"
     :busy="busy"
     @close="emit('close')"
     @confirm="emit('confirm')"
   >
+    <section v-if="riskConfirmRequired" class="approval-risk-confirm-panel" aria-label="风险说明确认">
+      <div class="approval-risk-confirm-head">
+        <span><i class="mdi mdi-alert-decagram-outline"></i>风险说明确认</span>
+        <strong>{{ riskConfirmItems.length }} 项需核对</strong>
+      </div>
+      <ul v-if="riskConfirmItems.length" class="approval-risk-confirm-list">
+        <li v-for="item in riskConfirmItems" :key="item.id || item.title">
+          <em :class="item.tone">{{ item.label }}</em>
+          <div>
+            <strong>{{ item.title }}</strong>
+            <span>{{ item.description }}</span>
+          </div>
+        </li>
+      </ul>
+      <label class="approval-risk-confirm-check">
+        <input
+          type="checkbox"
+          :checked="riskConfirmed"
+          :disabled="busy"
+          @change="handleRiskConfirmedChange"
+        />
+        <span>我已核对风险说明、异常原因和佐证材料，确认继续当前审批动作。</span>
+      </label>
+    </section>
+
     <label class="approval-opinion-field">
       <span>
         {{ opinionTitle }}
@@ -53,19 +79,132 @@ const props = defineProps({
   opinion: { type: String, default: '' },
   opinionPlaceholder: { type: String, default: '' },
   opinionHint: { type: String, default: '' },
-  opinionRequired: { type: Boolean, default: false }
+  opinionRequired: { type: Boolean, default: false },
+  riskConfirmRequired: { type: Boolean, default: false },
+  riskConfirmed: { type: Boolean, default: false },
+  riskConfirmItems: { type: Array, default: () => [] }
 })
 
-const emit = defineEmits(['close', 'confirm', 'update:opinion'])
+const emit = defineEmits(['close', 'confirm', 'update:opinion', 'update:risk-confirmed'])
 
 const currentOpinion = computed(() => String(props.opinion || ''))
+const confirmDisabled = computed(() => (
+  (props.riskConfirmRequired && !props.riskConfirmed)
+  || (props.opinionRequired && !currentOpinion.value.trim())
+))
 
 function handleOpinionInput(event) {
   emit('update:opinion', event.target.value)
 }
+
+function handleRiskConfirmedChange(event) {
+  emit('update:risk-confirmed', Boolean(event.target.checked))
+}
 </script>
 
 <style scoped>
+.approval-risk-confirm-panel {
+  display: grid;
+  gap: 10px;
+  padding: 12px;
+  border: 1px solid #fed7aa;
+  border-radius: 4px;
+  background: #fff7ed;
+}
+
+.approval-risk-confirm-head {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 12px;
+}
+
+.approval-risk-confirm-head span {
+  display: inline-flex;
+  align-items: center;
+  gap: 7px;
+  color: #9a3412;
+  font-size: 13px;
+  font-weight: 850;
+}
+
+.approval-risk-confirm-head strong {
+  color: #c2410c;
+  font-size: 12px;
+  font-weight: 850;
+}
+
+.approval-risk-confirm-list {
+  display: grid;
+  gap: 7px;
+  margin: 0;
+  padding: 0;
+  list-style: none;
+}
+
+.approval-risk-confirm-list li {
+  display: grid;
+  grid-template-columns: auto minmax(0, 1fr);
+  gap: 9px;
+  align-items: flex-start;
+  padding: 8px;
+  border: 1px solid rgba(251, 146, 60, 0.28);
+  border-radius: 4px;
+  background: #fff;
+}
+
+.approval-risk-confirm-list em {
+  min-width: 46px;
+  padding: 2px 6px;
+  border-radius: 4px;
+  background: #fff7ed;
+  color: #c2410c;
+  font-style: normal;
+  font-size: 11px;
+  font-weight: 850;
+  text-align: center;
+}
+
+.approval-risk-confirm-list em.high {
+  background: #fef2f2;
+  color: #dc2626;
+}
+
+.approval-risk-confirm-list div {
+  min-width: 0;
+  display: grid;
+  gap: 3px;
+}
+
+.approval-risk-confirm-list strong {
+  color: #0f172a;
+  font-size: 12px;
+  font-weight: 850;
+}
+
+.approval-risk-confirm-list span {
+  color: #64748b;
+  font-size: 12px;
+  line-height: 1.55;
+}
+
+.approval-risk-confirm-check {
+  display: flex;
+  align-items: flex-start;
+  gap: 8px;
+  color: #334155;
+  font-size: 12px;
+  font-weight: 750;
+  line-height: 1.6;
+}
+
+.approval-risk-confirm-check input {
+  width: 15px;
+  height: 15px;
+  margin-top: 2px;
+  accent-color: var(--theme-primary-active);
+}
+
 .approval-opinion-field {
   display: grid;
   gap: 8px;
diff --git a/web/src/composables/useAppShell.js b/web/src/composables/useAppShell.js
index 20602cc..594543e 100644
--- a/web/src/composables/useAppShell.js
+++ b/web/src/composables/useAppShell.js
@@ -547,9 +547,14 @@ export function useAppShell() {
     router.push({ name: 'app-documents', query: buildDocumentReturnQuery() })
   }
 
-  async function handleRequestUpdated() {
+  async function handleRequestUpdated(payload = {}) {
+    if (payload?.claim && typeof payload.claim === 'object') {
+      const mappedRequest = mapExpenseClaimToRequest(payload.claim)
+      upsertRequestSnapshot(mappedRequest)
+    }
+    const claimId = String(payload?.claimId || payload?.claim_id || route.params.requestId || '').trim()
     await reloadWorkbenchRequests()
-    await refreshSelectedRequestDetail(String(route.params.requestId || ''))
+    await refreshSelectedRequestDetail(claimId)
   }
 
   async function handleRequestDeleted(payload = {}) {
diff --git a/web/src/composables/useSetupView.js b/web/src/composables/useSetupView.js
index a6283fe..366d383 100644
--- a/web/src/composables/useSetupView.js
+++ b/web/src/composables/useSetupView.js
@@ -4,11 +4,11 @@ function readCurrentWebEndpoint(initialState) {
   if (typeof window === 'undefined') {
     return {
       host: initialState?.web?.host || '0.0.0.0',
-      port: Number(initialState?.web?.port || 5173)
+      port: Number(initialState?.web?.port || 5273)
     }
   }
 
-  const fallbackPort = Number(initialState?.web?.port || 5173)
+  const fallbackPort = Number(initialState?.web?.port || 5273)
   const port = Number(window.location.port || fallbackPort)
 
   return {
diff --git a/web/src/composables/useSystemState.js b/web/src/composables/useSystemState.js
index 381326a..513cf8d 100644
--- a/web/src/composables/useSystemState.js
+++ b/web/src/composables/useSystemState.js
@@ -57,7 +57,7 @@ function readClientBootstrapState() {
     },
     web: {
       host: env.VITE_WEB_HOST || '0.0.0.0',
-      port: Number(env.VITE_WEB_PORT || 5173)
+      port: Number(env.VITE_WEB_PORT || 5273)
     },
     server: {
       host: env.VITE_SERVER_HOST || '0.0.0.0',
diff --git a/web/src/utils/budgetOntology.js b/web/src/utils/budgetOntology.js
index 29b090d..630dbcd 100644
--- a/web/src/utils/budgetOntology.js
+++ b/web/src/utils/budgetOntology.js
@@ -83,6 +83,55 @@ export const BUDGET_ONTOLOGY_FIELDS = [
     required: false,
     aliases: ['剩余可用', '可用余额', '剩余预算', '可用预算']
   },
+  {
+    key: 'claim_amount',
+    label: '本单金额',
+    scope: 'budget_execution',
+    required: false,
+    aliases: ['本单金额', '申请金额', '报销金额']
+  },
+  {
+    key: 'claim_amount_ratio',
+    label: '本单占用比例',
+    scope: 'budget_execution',
+    required: false,
+    aliases: ['本单占用比例', '占用比例', '本次费用占预算']
+  },
+  {
+    key: 'usage_rate',
+    label: '当前使用率',
+    scope: 'budget_execution',
+    required: false,
+    aliases: ['当前使用率', '预算使用率']
+  },
+  {
+    key: 'after_usage_rate',
+    label: '审批后使用率',
+    scope: 'budget_execution',
+    required: false,
+    aliases: ['审批后使用率', '审批后预算使用率']
+  },
+  {
+    key: 'remaining_budget_ratio',
+    label: '剩余比例',
+    scope: 'budget_execution',
+    required: false,
+    aliases: ['剩余比例', '预算剩余比例']
+  },
+  {
+    key: 'available_before_amount',
+    label: '审批前可用预算',
+    scope: 'budget_execution',
+    required: false,
+    aliases: ['审批前可用预算', '审批前余额']
+  },
+  {
+    key: 'over_budget_amount',
+    label: '超预算金额',
+    scope: 'budget_control',
+    required: false,
+    aliases: ['超预算金额', '超预算风险', '超出预算']
+  },
   {
     key: 'warning_threshold',
     label: '预警线',
diff --git a/web/src/views/DocumentsCenterView.vue b/web/src/views/DocumentsCenterView.vue
index dbc6112..2084b6c 100644
--- a/web/src/views/DocumentsCenterView.vue
+++ b/web/src/views/DocumentsCenterView.vue
@@ -41,7 +41,7 @@
                 v-if="openFilterKey === 'status'"
                 class="document-filter-menu status-filter-menu"
                 role="listbox"
-                aria-label="单据状态"
+                aria-label="风险等级"
               >
                 <button
                   v-for="option in statusFilterOptions"
@@ -187,7 +187,7 @@
             <col class="col-title">
             <col class="col-amount">
             <col class="col-node">
-            <col class="col-status">
+            <col class="col-risk">
             <col class="col-updated">
           </colgroup>
           <thead>
@@ -201,7 +201,7 @@
               <th>事项</th>
               <th>金额</th>
               <th>当前环节</th>
-              <th>状态</th>
+              <th>风险等级</th>
               <th>更新时间</th>
             </tr>
           </thead>
@@ -219,7 +219,18 @@
               <td data-label="事项">{{ row.reason }}</td>
               <td data-label="金额">{{ row.amountDisplay }}</td>
               <td data-label="当前环节">{{ row.node }}</td>
-              <td data-label="状态"><span class="status-tag" :class="row.statusTone">{{ row.statusLabel }}</span></td>
+              <td data-label="风险等级">
+                <span class="risk-level-tags">
+                  <span
+                    v-for="tag in row.riskTags"
+                    :key="tag.label"
+                    class="risk-level-tag"
+                    :class="tag.tone"
+                  >
+                    {{ tag.label }}
+                  </span>
+                </span>
+              </td>
               <td data-label="更新时间">{{ row.updatedAtDisplay }}</td>
             </tr>
           </tbody>
@@ -253,6 +264,7 @@ import {
   fetchAllApprovalExpenseClaims,
   fetchAllArchivedExpenseClaims
 } from '../services/reimbursements.js'
+import { countClaimRisks, resolveArchiveRiskTone } from '../utils/archiveCenterListFilters.js'
 import { fetchNotificationStates, patchNotificationStates } from '../services/notificationStates.js'
 import {
   buildDocumentViewedStatePatch,
@@ -292,46 +304,52 @@ const DOCUMENT_CENTER_QUERY_KEYS = new Set([
   'dc_start',
   'dc_end'
 ])
-const statusTabs = ['全部', '草稿', '待提交', '审批中', '待补充', '待付款', '已完成']
+const riskLevelTabs = ['全部', '高风险', '中风险', '低风险', '无风险']
+const RISK_TONE_META = {
+  high: { label: '高风险', tone: 'high' },
+  medium: { label: '中风险', tone: 'medium' },
+  low: { label: '低风险', tone: 'low' },
+  none: { label: '无风险', tone: 'none' }
+}
 const FILTER_CONFIG_BY_SCOPE = {
   [DOCUMENT_SCOPE_ALL]: {
     searchPlaceholder: '搜索单号、事项、费用场景...',
     sceneFallbackLabel: '单据场景',
     dateLabel: '单据时间',
-    statusTitle: '单据状态',
-    statusTabs,
+    statusTitle: '风险等级',
+    statusTabs: riskLevelTabs,
     showDocumentType: true
   },
   [DOCUMENT_SCOPE_APPLICATION]: {
     searchPlaceholder: '搜索申请单号、申请事项、申请场景...',
     sceneFallbackLabel: '申请场景',
     dateLabel: '申请时间',
-    statusTitle: '申请状态',
-    statusTabs: ['全部', '草稿', '审批中', '已完成'],
+    statusTitle: '风险等级',
+    statusTabs: riskLevelTabs,
     showDocumentType: false
   },
   [DOCUMENT_SCOPE_REIMBURSEMENT]: {
     searchPlaceholder: '搜索报销单号、报销事由、费用场景...',
     sceneFallbackLabel: '费用场景',
     dateLabel: '报销时间',
-    statusTitle: '报销状态',
-    statusTabs,
+    statusTitle: '风险等级',
+    statusTabs: riskLevelTabs,
     showDocumentType: false
   },
   [DOCUMENT_SCOPE_REVIEW]: {
     searchPlaceholder: '搜索审核单号、事项、当前环节...',
     sceneFallbackLabel: '审核场景',
     dateLabel: '审核时间',
-    statusTitle: '审核状态',
-    statusTabs: ['全部', '审批中', '待补充', '已完成'],
+    statusTitle: '风险等级',
+    statusTabs: riskLevelTabs,
     showDocumentType: false
   },
   [DOCUMENT_SCOPE_ARCHIVE]: {
     searchPlaceholder: '搜索归档单号、事项、费用场景...',
     sceneFallbackLabel: '归档场景',
     dateLabel: '归档时间',
-    statusTitle: '归档状态',
-    statusTabs: ['全部', '已付款', '已完成'],
+    statusTitle: '风险等级',
+    statusTabs: riskLevelTabs,
     showDocumentType: false
   }
 }
@@ -458,7 +476,7 @@ const documentTypeFilterLabel = computed(() =>
 const statusFilterOptions = computed(() =>
   activeFilterConfig.value.statusTabs.map((tab) => ({
     value: tab,
-    label: tab === '全部' ? '全部状态' : tab
+    label: tab === '全部' ? '全部风险' : tab
   }))
 )
 
@@ -546,7 +564,7 @@ const sceneFilterLabel = computed(() =>
 )
 
 const statusFilterLabel = computed(() =>
-  statusFilterOptions.value.find((item) => item.value === activeStatusTab.value)?.label || '全部状态'
+  statusFilterOptions.value.find((item) => item.value === activeStatusTab.value)?.label || '全部风险'
 )
 
 const filteredRows = computed(() => {
@@ -560,7 +578,8 @@ const filteredRows = computed(() => {
       row.initiatorName,
       row.reason,
       row.node,
-      row.statusLabel
+      row.statusLabel,
+      row.riskLabel
     ].filter(Boolean).join('').toLowerCase().includes(keyword)
 
     const matchesDocumentType =
@@ -569,10 +588,10 @@ const filteredRows = computed(() => {
       || row.documentTypeCode === activeDocumentType.value
 
     const matchesScene = activeScene.value === SCENE_ALL || row.typeCode === activeScene.value
-    const matchesStatus = matchesStatusTab(row, activeStatusTab.value)
+    const matchesRiskLevel = matchesRiskLevelTab(row, activeStatusTab.value)
     const matchesDateRange = matchesAppliedDateRange(row)
 
-    return matchesKeyword && matchesDocumentType && matchesScene && matchesStatus && matchesDateRange
+    return matchesKeyword && matchesDocumentType && matchesScene && matchesRiskLevel && matchesDateRange
   }))
 })
 
@@ -674,6 +693,7 @@ function buildDocumentRow(request, options = {}) {
   const archived = Boolean(options.archived)
   const statusGroup = resolveStatusGroup(normalized, archived)
   const statusLabel = archived ? resolveArchivedStatusLabel(normalized) : resolveStatusLabel(normalized, statusGroup)
+  const riskMeta = buildDocumentRiskMeta(normalized)
   const documentNo = normalized.documentNo || normalized.id || normalized.claimId || '待生成'
   const claimId = normalized.claimId || normalized.id || documentNo
   const createdAtSource = normalized.createdAt || normalized.submittedAt || normalized.applyTime || normalized.updatedAt
@@ -708,6 +728,10 @@ function buildDocumentRow(request, options = {}) {
     statusGroup,
     statusLabel,
     statusTone: archived ? 'archived' : resolveStatusTone(normalized, statusGroup),
+    riskTone: riskMeta.tone,
+    riskLabel: riskMeta.label,
+    riskCount: riskMeta.count,
+    riskTags: riskMeta.tags,
     source: options.source || 'owned',
     archived,
     createdAtDisplay: formatDocumentListTime(createdAtSource),
@@ -744,19 +768,48 @@ function resolveStatusTone(row, statusGroup) {
   return row.approvalTone || 'neutral'
 }
 
-function matchesStatusTab(row, tab) {
+function resolveDocumentRiskFlags(row) {
+  if (Array.isArray(row?.riskFlags)) {
+    return row.riskFlags
+  }
+  if (Array.isArray(row?.risk_flags_json)) {
+    return row.risk_flags_json
+  }
+  return []
+}
+
+function buildDocumentRiskMeta(row) {
+  const riskFlags = resolveDocumentRiskFlags(row)
+  const riskSummary = row?.riskSummary || row?.risk
+  const count = countClaimRisks(riskFlags, riskSummary)
+  if (!count) {
+    const meta = RISK_TONE_META.none
+    return {
+      ...meta,
+      count: 0,
+      tags: [{ ...meta }]
+    }
+  }
+
+  const tone = resolveArchiveRiskTone(riskFlags, riskSummary)
+  const meta = RISK_TONE_META[tone] || RISK_TONE_META.medium
+  return {
+    ...meta,
+    count,
+    tags: [{ tone: meta.tone, label: `${meta.label} ${count}项` }]
+  }
+}
+
+function matchesRiskLevelTab(row, tab) {
   if (activeScopeTab.value !== DOCUMENT_SCOPE_ARCHIVE && isArchivedDocumentRow(row)) {
     return false
   }
 
   if (tab === '全部') return true
-  if (tab === '草稿') return row.statusGroup === 'draft'
-  if (tab === '待提交') return row.statusGroup === 'pending_submit'
-  if (tab === '审批中') return row.statusGroup === 'in_progress'
-  if (tab === '待补充') return row.statusGroup === 'supplement'
-  if (tab === '待付款') return row.statusGroup === 'pending_payment'
-  if (tab === '已付款') return row.statusLabel === '已付款' || row.node === '已付款'
-  if (tab === '已完成') return row.statusGroup === 'completed'
+  if (tab === '高风险') return row.riskTone === 'high'
+  if (tab === '中风险') return row.riskTone === 'medium'
+  if (tab === '低风险') return row.riskTone === 'low'
+  if (tab === '无风险') return row.riskTone === 'none'
   return true
 }
 
diff --git a/web/src/views/TravelRequestDetailView.vue b/web/src/views/TravelRequestDetailView.vue
index 3880c5d..e7ebeae 100644
--- a/web/src/views/TravelRequestDetailView.vue
+++ b/web/src/views/TravelRequestDetailView.vue
@@ -777,12 +777,16 @@
       :title="`确认提交 ${request.id} 吗？`"
       :description="submitConfirmDescription"
       cancel-text="返回核对"
+      :secondary-text="submitConfirmSecondaryText"
+      secondary-tone="warning"
+      secondary-icon="mdi mdi-calculator-variant-outline"
       :confirm-text="submitConfirmText"
       busy-text="提交中..."
       confirm-tone="primary"
       confirm-icon="mdi mdi-send-circle-outline"
       :busy="submitBusy"
       @close="closeSubmitConfirmDialog"
+      @secondary="confirmStandardAdjustment"
       @confirm="confirmSubmitRequest"
     >
       <div class="submit-confirm-summary" aria-label="提交前核对摘要">
@@ -807,51 +811,55 @@
     <ConfirmDialog
       :open="riskOverrideDialogOpen"
       badge="异常说明"
-      badge-tone="danger"
+      :badge-tone="riskOverrideBadgeTone"
       size="review"
-      :title="`当前存在 ${submitRiskWarnings.length} 条需说明的风险`"
-      description="请回到费用明细的异常说明列补充原因后再提交；如果不补充说明，可选择按职级最高可报销金额重新计算。"
-      cancel-text="返回整改"
-      confirm-text="按职级标准重算"
+      :title="riskOverrideDialogTitle"
+      :description="riskOverrideDialogDescription"
+      :cancel-text="riskOverrideCancelText"
+      :confirm-text="riskOverrideConfirmText"
       busy-text="处理中..."
-      confirm-tone="danger"
-      confirm-icon="mdi mdi-calculator-variant-outline"
+      :confirm-tone="riskOverrideConfirmTone"
+      :confirm-icon="riskOverrideConfirmIcon"
       :busy="riskOverrideBusy"
       @close="closeRiskOverrideDialog"
-      @confirm="confirmStandardAdjustment"
+      @confirm="confirmRiskOverrideDialog"
     >
       <div v-if="currentSubmitRiskWarning" class="risk-override-panel" aria-label="异常说明">
-        <div class="risk-override-nav">
+        <div class="risk-override-card-shell">
           <button
             type="button"
-            class="risk-override-nav-btn"
-            :disabled="submitRiskWarnings.length <= 1 || riskOverrideBusy"
+            class="risk-override-side-nav risk-override-side-nav--previous"
+            :disabled="submitRiskReviewWarnings.length <= 1 || riskOverrideBusy"
             aria-label="上一条风险"
             @click="goToPreviousSubmitRisk"
           >
             <i class="mdi mdi-chevron-left"></i>
           </button>
-          <span>{{ riskOverrideIndexLabel }}</span>
+          <article :class="['risk-override-card', currentSubmitRiskWarning.tone]">
+            <div class="risk-override-card-head">
+              <span>{{ currentSubmitRiskWarning.label }}</span>
+              <strong>{{ currentSubmitRiskWarning.title }}</strong>
+            </div>
+            <p>{{ currentSubmitRiskWarning.risk }}</p>
+            <div v-if="currentSubmitRiskWarningNotes.length" class="risk-override-notes">
+              <span>已填写异常说明</span>
+              <strong v-for="note in currentSubmitRiskWarningNotes" :key="note">{{ note }}</strong>
+            </div>
+          </article>
           <button
             type="button"
-            class="risk-override-nav-btn"
-            :disabled="submitRiskWarnings.length <= 1 || riskOverrideBusy"
+            class="risk-override-side-nav risk-override-side-nav--next"
+            :disabled="submitRiskReviewWarnings.length <= 1 || riskOverrideBusy"
             aria-label="下一条风险"
             @click="goToNextSubmitRisk"
           >
             <i class="mdi mdi-chevron-right"></i>
           </button>
         </div>
-        <article :class="['risk-override-card', currentSubmitRiskWarning.tone]">
-          <div class="risk-override-card-head">
-            <span>{{ currentSubmitRiskWarning.label }}</span>
-            <strong>{{ currentSubmitRiskWarning.title }}</strong>
-          </div>
-          <p>{{ currentSubmitRiskWarning.risk }}</p>
-        </article>
+        <div class="risk-override-index">{{ riskOverrideIndexLabel }}</div>
         <div class="risk-override-guidance">
-          <strong>请在费用明细的“异常说明”列补充原因后再提交。</strong>
-          <span>如果不补充说明，可直接选择按职级标准重算，超出标准的部分由员工自担。</span>
+          <strong>{{ riskOverrideGuidanceTitle }}</strong>
+          <span>{{ riskOverrideGuidanceText }}</span>
         </div>
       </div>
     </ConfirmDialog>
@@ -869,6 +877,9 @@
       :opinion-placeholder="approvalOpinionPlaceholder"
       :opinion-hint="approvalOpinionHint"
       :opinion-required="requiresApprovalOpinion"
+      :risk-confirm-required="approvalRiskConfirmRequired"
+      v-model:risk-confirmed="approvalRiskConfirmed"
+      :risk-confirm-items="approvalRiskConfirmItems"
       @close="closeApproveConfirmDialog"
       @confirm="confirmApproveRequest"
     />
diff --git a/web/src/views/scripts/TravelRequestDetailView.js b/web/src/views/scripts/TravelRequestDetailView.js
index a8a47d7..1d9daae 100644
--- a/web/src/views/scripts/TravelRequestDetailView.js
+++ b/web/src/views/scripts/TravelRequestDetailView.js
@@ -31,7 +31,6 @@ import {
 import {
   canApproveBudgetExpenseApplications,
   canApproveLeaderExpenseClaims,
-  canDeleteArchivedExpenseClaims,
   canManageExpenseClaims,
   canReturnExpenseClaims,
   isCurrentDirectManagerForRequest,
@@ -97,7 +96,8 @@ import {
   buildStandardAdjustmentPayload as buildStandardAdjustmentPayloadModel,
   filterSubmitterResolvedRiskCards as filterSubmitterResolvedRiskCardsModel,
   isRiskCardMissingExpenseNote as isRiskCardMissingExpenseNoteModel,
-  resolveExpenseItemForRiskCard as resolveExpenseItemForRiskCardModel
+  resolveExpenseItemForRiskCard as resolveExpenseItemForRiskCardModel,
+  resolveExpenseItemsForRiskCard as resolveExpenseItemsForRiskCardModel
 } from './travelRequestDetailStandardAdjustment.js'
 import {
   buildEmployeeProfileAdviceItems,
@@ -626,6 +626,7 @@ export default {
     const returnDialogOpen = ref(false)
     const approveBusy = ref(false)
     const approveConfirmDialogOpen = ref(false)
+    const approvalRiskConfirmed = ref(false)
     const leaderOpinion = ref('')
     const expenseUploadInput = ref(null)
     const smartEntryUploadInput = ref(null)
@@ -712,18 +713,7 @@ export default {
     ))
     const canManageCurrentClaim = computed(() => canManageExpenseClaims(currentUser.value))
     const isArchivedRequest = computed(() => isArchivedRequestView(request.value))
-    const canDeleteRequest = computed(() => {
-      if (isApplicationDocument.value) {
-        return isPlatformAdminUser(currentUser.value) || (isEditableRequest.value && isCurrentApplicant.value)
-      }
-      if (isArchivedRequest.value) {
-        return canDeleteArchivedExpenseClaims(currentUser.value)
-      }
-      if (canManageCurrentClaim.value) {
-        return true
-      }
-      return isEditableRequest.value && isCurrentApplicant.value
-    })
+    const canDeleteRequest = computed(() => isPlatformAdminUser(currentUser.value))
     const isDirectManagerApprovalStage = computed(() => {
       const node = String(request.value.node || request.value.approvalStage || '').trim()
       return node === '直属领导审批'
@@ -828,12 +818,30 @@ export default {
       isApplicationDocument.value
       && hasLeaderApprovalEvents.value
     ))
-    const requiresApprovalOpinion = computed(() => false)
-    const approvalOpinionTitle = computed(() => (isFinanceApprovalStage.value ? '财务意见' : '附加意见'))
+    const budgetApprovalOpinionRequired = computed(() => (
+      isBudgetApprovalStage.value
+      && hasBudgetApprovalWarning(request.value)
+    ))
+    const requiresApprovalOpinion = computed(() => budgetApprovalOpinionRequired.value)
+    const approvalOpinionTitle = computed(() => {
+      if (isFinanceApprovalStage.value) {
+        return '财务意见'
+      }
+      if (isBudgetApprovalStage.value) {
+        return '预算审批意见'
+      }
+      return '附加意见'
+    })
     const approvalOpinionPlaceholder = computed(() => {
       if (isFinanceApprovalStage.value) {
         return '请输入财务终审意见，可补充票据核验、金额一致性或入账关注点。'
       }
+      if (budgetApprovalOpinionRequired.value) {
+        return '预算已超过警戒值，请写明预算审批意见、通过依据或后续控制要求。'
+      }
+      if (isBudgetApprovalStage.value) {
+        return '可选填预算审批补充说明；未超过预算警戒值时不填写默认为同意。'
+      }
       if (isApplicationDocument.value) {
         return '可选填审批补充说明，例如业务必要性、预算合理性或执行要求；不填写默认为同意。'
       }
@@ -844,10 +852,35 @@ export default {
         return '审核通过后将进入待付款。'
       }
       if (isBudgetApprovalStage.value) {
-        return '不填写附加意见则默认同意，确认后会归档申请单并生成报销草稿。'
+        return budgetApprovalOpinionRequired.value
+          ? '预算已超过警戒值，需填写预算审批意见后才能通过。'
+          : '未超过预算警戒值时不填写意见将默认同意，确认后按流程继续流转。'
       }
       return isApplicationDocument.value ? '不填写附加意见则默认同意，确认后系统会按预算与风险结果决定下一步：无风险且预算充足将直接完成申请，否则进入预算管理者审批。' : '不填写附加意见则默认同意，审批通过后将流转至财务审批。'
     })
+    const approvalRiskConfirmItems = computed(() =>
+      aiAdvice.value.riskCards
+        .filter((card) => ['medium', 'high'].includes(normalizeRiskTone(card?.tone)))
+        .slice(0, 4)
+        .map((card, index) => ({
+          id: String(card?.id || `approval-risk-${index + 1}`),
+          tone: normalizeRiskTone(card?.tone),
+          label: normalizeRiskTone(card?.tone) === 'high' ? '高风险' : '中风险',
+          title: String(card?.title || card?.label || '风险提示').trim(),
+          description: String(
+            card?.relatedExplanationSummary
+            || card?.risk
+            || card?.summary
+            || card?.suggestion
+            || '请核对该风险点对应的说明和佐证材料。'
+          ).trim()
+        }))
+    )
+    const approvalRiskConfirmRequired = computed(() =>
+      canApproveRequest.value
+      && canViewApprovalRiskAdvice.value
+      && approvalRiskConfirmItems.value.length > 0
+    )
     const approvalConfirmBadge = computed(() => {
       if (isFinanceApprovalStage.value) {
         return '财务终审'
@@ -1183,6 +1216,10 @@ export default {
       return resolveExpenseItemForRiskCardModel(card, expenseItems.value)
     }
 
+    function resolveExpenseItemsForRiskCard(card) {
+      return resolveExpenseItemsForRiskCardModel(card, expenseItems.value)
+    }
+
     function filterSubmitterResolvedRiskCards(cards, businessStage) {
       const viewerContext = riskViewerContext.value || {}
       return filterSubmitterResolvedRiskCardsModel({
@@ -1205,9 +1242,16 @@ export default {
       return isRiskCardMissingExpenseNoteModel(card, expenseItems.value)
     }
 
+    function resolveRiskWarningNotes(card) {
+      const notes = resolveExpenseItemsForRiskCard(card)
+        .map((item) => String(item?.itemNote || '').trim())
+        .filter(Boolean)
+      return [...new Set(notes)]
+    }
+
     async function buildStandardAdjustmentPayload() {
       return buildStandardAdjustmentPayloadModel({
-        warnings: submitRiskWarnings.value,
+        warnings: submitRiskCards.value,
         expenseItems: expenseItems.value,
         request: request.value,
         calculateTravelReimbursement
@@ -1733,24 +1777,72 @@ export default {
     }))
     const submitConfirmDescription = computed(() => resolveSubmitConfirmDescription({
       isApplicationDocument: isApplicationDocument.value,
-      hasHighRiskWarnings: submitRiskWarnings.value.length > 0
+      hasHighRiskWarnings: aiAdvice.value.riskCards.some((card) => ['medium', 'high'].includes(normalizeRiskTone(card?.tone)))
     }))
     const submitConfirmText = computed(() => resolveSubmitConfirmText(isApplicationDocument.value))
 
-    const submitRiskWarnings = computed(() =>
+    const submitRiskCards = computed(() =>
       aiAdvice.value.riskCards
         .filter((card) => ['medium', 'high'].includes(normalizeRiskTone(card?.tone)))
-        .filter((card) => isRiskCardMissingExpenseNote(card))
         .map((card, index) => ({
           ...card,
           id: String(card.id || `submit-risk-${index}`),
           tags: resolveRiskTags(card)
         }))
     )
-    const currentSubmitRiskWarning = computed(() => submitRiskWarnings.value[riskOverrideIndex.value] || null)
-    const riskOverrideIndexLabel = computed(() =>
-      submitRiskWarnings.value.length ? `${riskOverrideIndex.value + 1} / ${submitRiskWarnings.value.length}` : ''
+    const submitConfirmSecondaryText = computed(() => (
+      !isApplicationDocument.value && submitRiskCards.value.length
+        ? '按职级标准报销'
+        : ''
+    ))
+    const submitRiskWarnings = computed(() =>
+      submitRiskCards.value.filter((card) => isRiskCardMissingExpenseNote(card))
     )
+    const submitExplainedRiskWarnings = computed(() =>
+      submitRiskCards.value.filter((card) => !isRiskCardMissingExpenseNote(card))
+    )
+    const hasMissingSubmitRiskWarnings = computed(() => submitRiskWarnings.value.length > 0)
+    const submitRiskReviewWarnings = computed(() =>
+      hasMissingSubmitRiskWarnings.value ? submitRiskWarnings.value : submitExplainedRiskWarnings.value
+    )
+    const currentSubmitRiskWarning = computed(() => submitRiskReviewWarnings.value[riskOverrideIndex.value] || null)
+    const currentSubmitRiskWarningNotes = computed(() =>
+      currentSubmitRiskWarning.value ? resolveRiskWarningNotes(currentSubmitRiskWarning.value) : []
+    )
+    const riskOverrideIndexLabel = computed(() =>
+      submitRiskReviewWarnings.value.length ? `${riskOverrideIndex.value + 1} / ${submitRiskReviewWarnings.value.length}` : ''
+    )
+    const riskOverrideBadgeTone = computed(() => hasMissingSubmitRiskWarnings.value ? 'danger' : 'warning')
+    const riskOverrideDialogTitle = computed(() => (
+      hasMissingSubmitRiskWarnings.value
+        ? `当前存在 ${submitRiskWarnings.value.length} 条需说明的风险`
+        : `请确认 ${submitExplainedRiskWarnings.value.length} 条风险及异常说明`
+    ))
+    const riskOverrideDialogDescription = computed(() => (
+      hasMissingSubmitRiskWarnings.value
+        ? '请回到费用明细的异常说明列补充原因后再提交；如果不补充说明，可选择按职级最高可报销金额重新计算。'
+        : '请核对风险点与已填写的异常说明，确认后进入提交确认。'
+    ))
+    const riskOverrideCancelText = computed(() => (
+      hasMissingSubmitRiskWarnings.value ? '返回整改' : '返回核对'
+    ))
+    const riskOverrideConfirmText = computed(() =>
+      hasMissingSubmitRiskWarnings.value ? '按职级标准重算' : '确认说明'
+    )
+    const riskOverrideConfirmTone = computed(() => hasMissingSubmitRiskWarnings.value ? 'danger' : 'primary')
+    const riskOverrideConfirmIcon = computed(() =>
+      hasMissingSubmitRiskWarnings.value ? 'mdi mdi-calculator-variant-outline' : 'mdi mdi-check-circle-outline'
+    )
+    const riskOverrideGuidanceTitle = computed(() => (
+      hasMissingSubmitRiskWarnings.value
+        ? '请在费用明细的“异常说明”列补充原因后再提交。'
+        : '已填写异常说明，请确认说明会随单据进入审批。'
+    ))
+    const riskOverrideGuidanceText = computed(() => (
+      hasMissingSubmitRiskWarnings.value
+        ? '如果不补充说明，可直接选择按职级标准重算，超出标准的部分由员工自担。'
+        : '确认后系统会继续进入提交确认，领导和财务可看到这些风险及对应说明。'
+    ))
 
     function resetDetailNote() {
       detailNoteEditor.value = detailNoteSource.value
@@ -1783,7 +1875,7 @@ export default {
     }
 
     function openRiskOverrideDialog() {
-      const warnings = submitRiskWarnings.value
+      const warnings = submitRiskReviewWarnings.value
       if (!warnings.length) {
         return
       }
@@ -1799,18 +1891,34 @@ export default {
     }
 
     function goToPreviousSubmitRisk() {
-      if (!submitRiskWarnings.value.length) {
+      if (!submitRiskReviewWarnings.value.length) {
         return
       }
       riskOverrideIndex.value =
-        (riskOverrideIndex.value - 1 + submitRiskWarnings.value.length) % submitRiskWarnings.value.length
+        (riskOverrideIndex.value - 1 + submitRiskReviewWarnings.value.length) % submitRiskReviewWarnings.value.length
     }
 
     function goToNextSubmitRisk() {
-      if (!submitRiskWarnings.value.length) {
+      if (!submitRiskReviewWarnings.value.length) {
         return
       }
-      riskOverrideIndex.value = (riskOverrideIndex.value + 1) % submitRiskWarnings.value.length
+      riskOverrideIndex.value = (riskOverrideIndex.value + 1) % submitRiskReviewWarnings.value.length
+    }
+
+    function confirmRiskExplanation() {
+      if (riskOverrideBusy.value || submitBusy.value) {
+        return
+      }
+      riskOverrideDialogOpen.value = false
+      submitConfirmDialogOpen.value = true
+    }
+
+    function confirmRiskOverrideDialog() {
+      if (hasMissingSubmitRiskWarnings.value) {
+        confirmStandardAdjustment()
+        return
+      }
+      confirmRiskExplanation()
     }
 
     function confirmStandardAdjustment() {
@@ -1824,6 +1932,7 @@ export default {
       }
 
       riskOverrideDialogOpen.value = false
+      submitConfirmDialogOpen.value = false
       standardAdjustmentBusy.value = true
       const taskSeq = ++standardAdjustmentTaskSeq
       toast('\u6b63\u5728\u540e\u53f0\u6309\u804c\u7ea7\u6807\u51c6\u91cd\u65b0\u6d4b\u7b97\u8d39\u7528\u3002')
@@ -2308,7 +2417,7 @@ export default {
         return
       }
 
-      if (submitRiskWarnings.value.length) {
+      if (submitRiskReviewWarnings.value.length) {
         openRiskOverrideDialog()
         return
       }
@@ -2490,6 +2599,7 @@ export default {
         return
       }
 
+      approvalRiskConfirmed.value = !approvalRiskConfirmRequired.value
       approveConfirmDialogOpen.value = true
     }
 
@@ -2522,6 +2632,16 @@ export default {
         return
       }
 
+      if (approvalRiskConfirmRequired.value && !approvalRiskConfirmed.value) {
+        toast('请先确认已核对风险说明和佐证材料，再继续审批。')
+        return
+      }
+
+      if (requiresApprovalOpinion.value && !leaderOpinion.value.trim()) {
+        toast('预算已超过警戒值，请填写预算审批意见后再通过。')
+        return
+      }
+
       approveBusy.value = true
       try {
         const responsePayload = await approveExpenseClaim(request.value.claimId, {
@@ -2529,13 +2649,17 @@ export default {
         })
         const generatedDraftClaimNo = resolveGeneratedDraftClaimNo(responsePayload)
         approveConfirmDialogOpen.value = false
+        approvalRiskConfirmed.value = false
         leaderOpinion.value = ''
         toast(
           isApplicationDocument.value && generatedDraftClaimNo
             ? `${request.value.id} 已确认审核，报销草稿 ${generatedDraftClaimNo} 已生成。`
             : approvalSuccessToast.value
         )
-        emit('request-updated', { claimId: request.value.claimId })
+        emit('request-updated', {
+          claimId: request.value.claimId,
+          claim: responsePayload
+        })
         emit('backToRequests')
       } catch (error) {
         toast(resolveApproveErrorMessage(error))
@@ -2636,6 +2760,7 @@ export default {
       attachmentPreviewUrl, approveBusy, approveConfirmDialogOpen, approvalConfirmBadge,
       approvalConfirmDescription, approvalOpinionHint,
       approvalOpinionPlaceholder, approvalOpinionTitle, approveActionLabel, approveBusyLabel,
+      approvalRiskConfirmed, approvalRiskConfirmItems, approvalRiskConfirmRequired,
       applicationDetailFactItems, relatedApplicationFactItems,
       approveBusyText, approveConfirmText, approveConfirmTitle, canDeleteRequest, canManageCurrentClaim,
       canNavigateAttachmentPreview,
@@ -2643,10 +2768,10 @@ export default {
       closeApproveConfirmDialog, closeDeleteDialog, closeAttachmentPreview, closePayConfirmDialog, closeSubmitConfirmDialog,
       closeRiskOverrideDialog, closeSmartEntryUploadDialog,
       closeReturnDialog, confirmApproveRequest, confirmDeleteRequest, confirmSubmitRequest, confirmReturnRequest,
-      confirmPayRequest, confirmStandardAdjustment, confirmSmartEntryUpload,
+      confirmPayRequest, confirmRiskExplanation, confirmRiskOverrideDialog, confirmStandardAdjustment, confirmSmartEntryUpload,
       chooseSmartEntryFile, clearSmartEntryFile,
       currentAttachmentPreviewInsight, currentAttachmentPreviewRiskCards, currentProgressRingMotion,
-      currentSubmitRiskWarning,
+      currentSubmitRiskWarning, currentSubmitRiskWarningNotes,
       canEditDetailNote, deleteActionLabel, deleteBusy, deleteDialogDescription, deleteDialogOpen,
       deleteDialogTitle, deletingAttachmentId, deletingExpenseId, detailNote, detailNoteDirty,
       detailNoteEditor, detailNoteEditorView, detailNoteTags, draftBlockingIssues, editingExpenseId, expenseEditor,
@@ -2668,7 +2793,10 @@ export default {
       resetDetailNote, resolveAttachmentDisplayName, resolveAttachmentPreviewTitle, resolveAttachmentRecognition,
       resolveExpenseReasonHelper, resolveExpenseReasonPlaceholder, resolveExpenseRiskState, resolveExpenseIssues,
       resolveRiskCardDomId, isHighlightedRiskCard,
-      returnBusy, returnDialogDescription, returnDialogOpen, riskOverrideBusy, riskOverrideDialogOpen, riskOverrideIndexLabel,
+      returnBusy, returnDialogDescription, returnDialogOpen, riskOverrideBadgeTone, riskOverrideBusy,
+      riskOverrideCancelText, riskOverrideConfirmIcon, riskOverrideConfirmText, riskOverrideConfirmTone,
+      riskOverrideDialogDescription, riskOverrideDialogOpen, riskOverrideDialogTitle,
+      riskOverrideGuidanceText, riskOverrideGuidanceTitle, riskOverrideIndexLabel,
       requiresApprovalOpinion,
       saveDetailNote, savingDetailNote, savingExpenseId,
       smartEntrySelectedFileCount, smartEntrySelectedFileNames, smartEntrySelectedFileSummary,
@@ -2678,8 +2806,56 @@ export default {
       showAiAdvicePanel, showApplicationLeaderOpinion,
       showBudgetAnalysis, showStageRiskAdvice,
       showExpenseRisk, startExpenseEdit, submitActionIcon, submitActionLabel, submitBusy,
-      submitConfirmAmountDisplay, submitConfirmDescription, submitConfirmDialogOpen, submitConfirmText, submitRiskWarnings,
+      submitConfirmAmountDisplay, submitConfirmDescription, submitConfirmDialogOpen, submitConfirmSecondaryText, submitConfirmText,
+      submitExplainedRiskWarnings, submitRiskReviewWarnings, submitRiskWarnings, hasMissingSubmitRiskWarnings,
       triggerExpenseUpload, uploadedExpenseCount, uploadingExpenseId, saveExpenseEdit
     }
   }
 }
+
+function hasBudgetApprovalWarning(request = {}) {
+  const flags = Array.isArray(request?.riskFlags)
+    ? request.riskFlags
+    : Array.isArray(request?.risk_flags_json)
+      ? request.risk_flags_json
+      : []
+
+  return flags.some((flag) => {
+    if (!flag || typeof flag !== 'object') {
+      return false
+    }
+
+    const routeDecision = flag.route_decision || flag.routeDecision || {}
+    const directBudgetResult = flag.budget_result || flag.budgetResult
+    const routeBudgetResult = routeDecision?.budget_result || routeDecision?.budgetResult
+    const budgetResult = routeBudgetResult || directBudgetResult
+    if (!budgetResult || typeof budgetResult !== 'object') {
+      return false
+    }
+
+    return budgetResultExceedsWarning(budgetResult)
+  })
+}
+
+function budgetResultExceedsWarning(budgetResult = {}) {
+  const metrics = budgetResult.metrics && typeof budgetResult.metrics === 'object' ? budgetResult.metrics : {}
+  const context = budgetResult.budget_context && typeof budgetResult.budget_context === 'object'
+    ? budgetResult.budget_context
+    : budgetResult.budgetContext && typeof budgetResult.budgetContext === 'object'
+      ? budgetResult.budgetContext
+      : {}
+  const overBudgetAmount = parseBudgetNumber(metrics.over_budget_amount ?? metrics.overBudgetAmount)
+  if (overBudgetAmount > 0) {
+    return true
+  }
+
+  const afterUsageRate = parseBudgetNumber(metrics.after_usage_rate ?? metrics.afterUsageRate)
+  const claimAmountRatio = parseBudgetNumber(metrics.claim_amount_ratio ?? metrics.claimAmountRatio)
+  const warningThreshold = parseBudgetNumber(context.warning_threshold ?? context.warningThreshold, 80)
+  return Math.max(afterUsageRate, claimAmountRatio) >= warningThreshold
+}
+
+function parseBudgetNumber(value, fallback = 0) {
+  const number = Number(value)
+  return Number.isFinite(number) ? number : fallback
+}
diff --git a/web/src/views/scripts/travelRequestDetailExpenseModel.js b/web/src/views/scripts/travelRequestDetailExpenseModel.js
index 7662bf7..72431dd 100644
--- a/web/src/views/scripts/travelRequestDetailExpenseModel.js
+++ b/web/src/views/scripts/travelRequestDetailExpenseModel.js
@@ -107,6 +107,25 @@ export function isAttachmentRequiredExpenseItem(source) {
   return !isSystemGeneratedExpenseItemSource({ ...source, itemType }) && !OPTIONAL_ATTACHMENT_EXPENSE_TYPES.has(itemType)
 }
 
+export function hasUploadedReceiptReference(source) {
+  const invoiceId = String(source?.invoiceId ?? source?.invoice_id ?? '').trim()
+  if (!isPlaceholderValue(invoiceId)) {
+    return true
+  }
+  return Array.isArray(source?.attachments) && source.attachments.some((item) => !isPlaceholderValue(item))
+}
+
+export function isIgnorableExpenseDraftPlaceholder(item) {
+  if (!item || isSystemGeneratedExpenseItemSource(item) || hasUploadedReceiptReference(item)) {
+    return false
+  }
+  const amount = Number(item?.itemAmount ?? item?.item_amount ?? 0)
+  const missingAmount = !Number.isFinite(amount) || amount <= 0
+  const missingReason = isPlaceholderValue(item?.itemReason ?? item?.item_reason)
+  const missingLocation = isPlaceholderValue(item?.itemLocation ?? item?.item_location)
+  return missingAmount && missingReason && missingLocation
+}
+
 export function isLocationRequiredExpenseType(value) {
   return LOCATION_REQUIRED_EXPENSE_TYPES.has(normalizeExpenseType(value))
 }
@@ -568,6 +587,7 @@ export function buildExpenseItemViewModel(source, index, requestModel, travelTim
 
 export function rebuildExpenseItems(items, requestModel) {
   const sortedItems = [...items]
+    .filter((item) => !isIgnorableExpenseDraftPlaceholder(item))
     .sort((left, right) => Number(isSystemGeneratedExpenseItemSource(left)) - Number(isSystemGeneratedExpenseItemSource(right)))
   const travelTimeLabelMap = buildTravelTimeLabelMap(sortedItems, requestModel)
   return sortedItems.map((item, index) => buildExpenseItemViewModel(item, index, requestModel, travelTimeLabelMap))
@@ -575,29 +595,33 @@ export function rebuildExpenseItems(items, requestModel) {
 
 export function buildExpenseDraftIssues(item) {
   const issues = []
-  if (item.isSystemGenerated) {
+  if (item.isSystemGenerated || isSystemGeneratedExpenseItemSource(item)) {
+    return issues
+  }
+  if (isIgnorableExpenseDraftPlaceholder(item)) {
     return issues
   }
   const locationRequired = isLocationRequiredExpenseType(item.itemType)
+  const hasUploadedReceipt = hasUploadedReceiptReference(item)
 
-  if (!isValidIsoDate(item.itemDate)) {
+  if (!hasUploadedReceipt && !isValidIsoDate(item.itemDate)) {
     issues.push('缺少日期')
   }
   if (isPlaceholderValue(item.itemType)) {
     issues.push('缺少费用项目')
   }
-  if (isPlaceholderValue(item.itemReason)) {
+  if (!hasUploadedReceipt && isPlaceholderValue(item.itemReason)) {
     issues.push('缺少说明')
-  } else if (isRouteDescriptionExpenseType(item.itemType) && !isValidRouteDescription(item.itemReason)) {
+  } else if (!hasUploadedReceipt && isRouteDescriptionExpenseType(item.itemType) && !isValidRouteDescription(item.itemReason)) {
     issues.push('行程说明格式错误')
   }
-  if (locationRequired && isPlaceholderValue(item.itemLocation)) {
+  if (!hasUploadedReceipt && locationRequired && isPlaceholderValue(item.itemLocation)) {
     issues.push('缺少地点')
   }
-  if (!Number.isFinite(Number(item.itemAmount)) || Number(item.itemAmount) <= 0) {
+  if (!hasUploadedReceipt && (!Number.isFinite(Number(item.itemAmount)) || Number(item.itemAmount) <= 0)) {
     issues.push('缺少金额')
   }
-  if (isAttachmentRequiredExpenseItem(item) && isPlaceholderValue(item.invoiceId)) {
+  if (isAttachmentRequiredExpenseItem(item) && !hasUploadedReceipt) {
     issues.push('缺少票据标识')
   }
 
@@ -609,14 +633,15 @@ export function buildDraftBlockingIssues(request, expenseItems) {
   const isApplication = isApplicationDocumentRequest(request)
   const locationRequired = isLocationRequiredExpenseType(request.typeCode)
   const normalizedItems = Array.isArray(expenseItems) ? expenseItems : []
-  const itemAmountTotal = normalizedItems.reduce((sum, item) => {
+  const effectiveItems = normalizedItems.filter((item) => !isIgnorableExpenseDraftPlaceholder(item))
+  const itemAmountTotal = effectiveItems.reduce((sum, item) => {
     const amount = Number(item?.itemAmount || 0)
     return Number.isFinite(amount) && amount > 0 ? sum + amount : sum
   }, 0)
-  const hasValidItemDate = normalizedItems.some((item) => isValidIsoDate(item?.itemDate))
-  const hasValidItemType = normalizedItems.some((item) => !isPlaceholderValue(item?.itemType))
-  const hasValidItemReason = normalizedItems.some((item) => !isPlaceholderValue(item?.itemReason))
-  const hasValidItemLocation = normalizedItems.some((item) => !isPlaceholderValue(item?.itemLocation))
+  const hasValidItemDate = effectiveItems.some((item) => isValidIsoDate(item?.itemDate))
+  const hasValidItemType = effectiveItems.some((item) => !isPlaceholderValue(item?.itemType))
+  const hasValidItemReason = effectiveItems.some((item) => !isPlaceholderValue(item?.itemReason))
+  const hasValidItemLocation = effectiveItems.some((item) => !isPlaceholderValue(item?.itemLocation))
 
   if (isPlaceholderValue(request.profileName)) {
     issues.push('申请人未完善')
@@ -655,7 +680,7 @@ export function buildDraftBlockingIssues(request, expenseItems) {
   if ((!Number.isFinite(Number(request.amountValue)) || Number(request.amountValue) <= 0) && itemAmountTotal <= 0) {
     issues.push('报销金额未完善')
   }
-  if (!normalizedItems.length) {
+  if (!effectiveItems.length) {
     issues.push('费用明细不能为空')
   }
 
diff --git a/web/src/views/scripts/travelRequestDetailInsights.js b/web/src/views/scripts/travelRequestDetailInsights.js
index c90cb87..d33a631 100644
--- a/web/src/views/scripts/travelRequestDetailInsights.js
+++ b/web/src/views/scripts/travelRequestDetailInsights.js
@@ -66,6 +66,32 @@ function cardLikeText(card = {}) {
   ].map((item) => normalizeText(item)).join(' ')
 }
 
+function resolveRiskCardItemIds(card = {}) {
+  return normalizeIdList([
+    card.itemId,
+    card.item_id,
+    ...(Array.isArray(card.itemIds) ? card.itemIds : []),
+    ...(Array.isArray(card.item_ids) ? card.item_ids : [])
+  ])
+}
+
+function resolveDuplicateRiskGroup(card = {}) {
+  const text = cardLikeText(card)
+  if (/多城市行程|中转|多地拜访|改签|多地出差|后续行程|行程终点异常|连续闭环/.test(text) && /待说明|未说明|缺少说明|原因|说明|不一致|异常/.test(text)) {
+    return 'route-explanation'
+  }
+  return ''
+}
+
+function riskCardsReferToSameIssue(left = {}, right = {}) {
+  const leftItemIds = resolveRiskCardItemIds(left)
+  const rightItemIds = resolveRiskCardItemIds(right)
+  if (!leftItemIds.length || !rightItemIds.length) {
+    return true
+  }
+  return leftItemIds.some((itemId) => rightItemIds.includes(itemId))
+}
+
 function normalizeTone(value) {
   const tone = normalizeText(value).toLowerCase()
   if (['pass', 'success', 'ok', 'normal', 'none', 'compliant', 'approved'].includes(tone)) return 'pass'
@@ -95,6 +121,30 @@ function isRiskTone(tone) {
   return ['medium', 'high'].includes(normalizeText(tone).toLowerCase())
 }
 
+function riskToneWeight(tone) {
+  const normalizedTone = normalizeTone(tone)
+  if (normalizedTone === 'high') return 0
+  if (normalizedTone === 'medium') return 1
+  if (normalizedTone === 'low') return 2
+  if (normalizedTone === 'pass') return 4
+  return 9
+}
+
+function dedupeLowerSeverityRiskCards(cards = []) {
+  return cards.filter((card, index) => {
+    const duplicateGroup = resolveDuplicateRiskGroup(card)
+    if (!duplicateGroup) {
+      return true
+    }
+    return !cards.some((otherCard, otherIndex) => (
+      otherIndex !== index
+      && resolveDuplicateRiskGroup(otherCard) === duplicateGroup
+      && riskToneWeight(otherCard?.tone || otherCard?.severity) < riskToneWeight(card?.tone || card?.severity)
+      && riskCardsReferToSameIssue(card, otherCard)
+    ))
+  })
+}
+
 function normalizeId(value) {
   return normalizeText(value)
 }
@@ -108,6 +158,152 @@ function normalizeIdList(value) {
   return [...new Set(rawValues.map((item) => normalizeId(item)).filter(Boolean))]
 }
 
+function normalizeExpenseItemNote(item = {}) {
+  const note = normalizeText(item.itemNote ?? item.item_note).replace(/[。；;]+$/, '')
+  if (!note || ['待补充', '待补充异常说明', '暂无', '无', 'null', 'undefined'].includes(note)) {
+    return ''
+  }
+  return note
+}
+
+function resolveExpenseItemLabel(item = {}, fallback = '相关明细') {
+  return normalizeText(item.desc)
+    || normalizeText(item.itemReason)
+    || normalizeText(item.detail)
+    || normalizeText(item.name)
+    || normalizeText(item.category)
+    || fallback
+}
+
+function resolveRelatedExpenseExplanations(itemIds = [], expenseItems = []) {
+  const relatedIds = normalizeIdList(itemIds)
+  if (!relatedIds.length || !Array.isArray(expenseItems)) {
+    return []
+  }
+
+  return expenseItems
+    .filter((item) => relatedIds.includes(normalizeId(item?.id)))
+    .map((item) => {
+      const note = normalizeExpenseItemNote(item)
+      if (!note) {
+        return null
+      }
+      return {
+        itemId: normalizeId(item.id),
+        label: resolveExpenseItemLabel(item),
+        note,
+        text: `${resolveExpenseItemLabel(item)}：${note}`
+      }
+    })
+    .filter(Boolean)
+}
+
+function isHotelExpenseItem(item = {}) {
+  const text = [
+    item.name,
+    item.category,
+    item.desc,
+    item.detail,
+    item.itemType,
+    item.item_type,
+    item.documentType,
+    item.document_type
+  ].map((value) => normalizeText(value)).join(' ')
+  return /住宿|酒店|宾馆|hotel/.test(text)
+}
+
+function isTrafficExpenseItem(item = {}) {
+  const text = [
+    item.name,
+    item.category,
+    item.desc,
+    item.detail,
+    item.itemType,
+    item.item_type,
+    item.documentType,
+    item.document_type
+  ].map((value) => normalizeText(value)).join(' ')
+  if (/补贴|系统自动计算/.test(text)) {
+    return false
+  }
+  return /交通|火车|高铁|机票|航班|出租车|网约车|乘车|车票|train|flight|taxi/.test(text)
+}
+
+function inferRelatedExpenseItemIdsByRiskText(flag = {}, risks = [], expenseItems = []) {
+  const text = [
+    cardLikeText(flag),
+    ...uniqueTexts(risks)
+  ].map((value) => normalizeText(value)).join(' ')
+  const items = Array.isArray(expenseItems) ? expenseItems : []
+
+  if (isHotelOverStandardRiskText(text) || /住宿|酒店|宾馆|hotel/.test(text)) {
+    return items.filter(isHotelExpenseItem).map((item) => normalizeId(item?.id)).filter(Boolean)
+  }
+  if (/交通|火车|高铁|机票|航班|出租车|网约车|乘车|车票|train|flight|taxi/.test(text)) {
+    return items.filter(isTrafficExpenseItem).map((item) => normalizeId(item?.id)).filter(Boolean)
+  }
+  return []
+}
+
+function resolveRelatedItemIdsForRisk({
+  explicitItemIds = [],
+  flag = {},
+  risks = [],
+  expenseItems = []
+} = {}) {
+  const normalizedExplicitItemIds = normalizeIdList(explicitItemIds)
+  const routeRelatedItemIds = resolveRouteRelatedItemIdsForRisk({
+    flagItemIds: normalizedExplicitItemIds,
+    flag,
+    risks,
+    expenseItems
+  })
+  if (routeRelatedItemIds.length) {
+    return routeRelatedItemIds
+  }
+  if (normalizedExplicitItemIds.length) {
+    return normalizedExplicitItemIds
+  }
+  return inferRelatedExpenseItemIdsByRiskText(flag, risks, expenseItems)
+}
+
+function formatRelatedExpenseExplanations(explanations = [], limit = 3) {
+  const texts = uniqueTexts(explanations.map((item) => item.text))
+  if (!texts.length) {
+    return ''
+  }
+  const visible = texts.slice(0, limit).join('；')
+  return `${visible}${texts.length > limit ? ` 等 ${texts.length} 条` : ''}`
+}
+
+function resolveRiskTextWithExplanations(risk, explanations = []) {
+  const text = normalizeText(risk)
+  if (!text || !explanations.length) {
+    return text
+  }
+
+  if (/未说明|待说明|缺少说明|未识别到.*说明|请.*补充/.test(text)) {
+    const cleaned = text
+      .replace(/，?但当前[^。；;]*?(?:未说明|待说明|缺少说明|未识别到[^。；;]*说明)[^。；;]*[。；;]?/g, '')
+      .replace(/当前[^。；;]*?(?:未说明|待说明|缺少说明|未识别到[^。；;]*说明)[^。；;]*[。；;]?/g, '')
+      .replace(/请[^。；;]*?(?:补充|写清楚)[^。；;]*[。；;]?/g, '')
+      .trim()
+    const base = cleaned.replace(/[，,；;。]+$/, '') || '该风险已命中系统规则'
+    return `${base}，用户已在相关费用明细补充异常说明，需审核说明是否充分。`
+  }
+
+  return text
+}
+
+function resolveClaimRiskSuggestion(flag = {}, { risk = '', summary = '', relatedExplanations = [] } = {}) {
+  const explanationSummary = formatRelatedExpenseExplanations(relatedExplanations)
+  if (explanationSummary) {
+    return `用户已在费用明细补充异常说明：${explanationSummary}。请审核说明是否充分，并结合票据、行程和制度标准决定通过、退回或要求补充佐证。`
+  }
+
+  return resolveClaimRiskFallbackSuggestion(flag, { risk, summary })
+}
+
 function resolveItemRiskFlag(item, claimRiskFlags) {
   const itemId = normalizeId(item?.id)
   if (!itemId || !Array.isArray(claimRiskFlags)) {
@@ -276,7 +472,7 @@ function resolveClaimRiskRuleBasis(flag = {}, { risk = '', summary = '', tone =
   return uniqueTexts(basis.length ? basis : [`系统预审根据“${label || '单据风险'}”将该项列为${tone === 'high' ? '高风险' : '中风险'}。`])
 }
 
-function resolveClaimRiskSuggestion(flag = {}, { risk = '', summary = '' } = {}) {
+function resolveClaimRiskFallbackSuggestion(flag = {}, { risk = '', summary = '' } = {}) {
   const explicitSuggestion = normalizeText(flag.suggestion)
   if (explicitSuggestion) {
     return explicitSuggestion
@@ -370,6 +566,12 @@ function buildRiskCardFromPoint({ item, index, point, pointIndex, insight, analy
     normalizeText(analysis?.headline) || normalizeText(analysis?.label) || normalizeText(item?.name),
     '附件风险'
   )
+  const relatedExplanations = resolveRelatedExpenseExplanations([normalizeId(item?.id)], [item])
+  const explanationSummary = formatRelatedExpenseExplanations(relatedExplanations)
+  const ruleBasis = uniqueTexts([
+    ...(insight?.ruleBasis?.length ? insight.ruleBasis : ['系统根据附件识别结果与费用项目规则进行比对。']),
+    explanationSummary ? `用户已补充异常说明：${explanationSummary}。` : ''
+  ])
 
   return withRiskTags({
     id: `${normalizeText(item?.id) || `expense-${index}`}-${pointIndex}`,
@@ -380,13 +582,24 @@ function buildRiskCardFromPoint({ item, index, point, pointIndex, insight, analy
     tone,
     label: resolveRiskLevelLabel(tone),
     title,
-    risk: normalizeText(point) || normalizeText(analysis?.summary) || '附件存在待核对风险。',
+    risk: resolveRiskTextWithExplanations(
+      normalizeText(point) || normalizeText(analysis?.summary) || '附件存在待核对风险。',
+      relatedExplanations
+    ),
     summary: normalizeText(analysis?.summary),
-    ruleBasis: insight?.ruleBasis?.length ? insight.ruleBasis : ['系统根据附件识别结果与费用项目规则进行比对。'],
-    suggestion: buildCardSuggestion(analysis, insight),
+    ruleBasis,
+    suggestion: relatedExplanations.length
+      ? resolveClaimRiskSuggestion({}, {
+        risk: normalizeText(point) || normalizeText(analysis?.summary),
+        summary: normalizeText(analysis?.summary),
+        relatedExplanations
+      })
+      : buildCardSuggestion(analysis, insight),
     source: 'attachment_analysis',
     itemType: normalizeText(item?.itemType),
     documentType: normalizeText(insight?.documentTypeLabel),
+    relatedExplanations,
+    relatedExplanationSummary: explanationSummary,
     visibility_scope: 'submitter',
     actionability: 'fixable_by_submitter'
   })
@@ -599,8 +812,8 @@ export function buildAttachmentRiskCards({
         const risks = flagPoints.length
           ? flagPoints
           : [primaryRisk || fallbackRisk].filter(Boolean)
-        const relatedItemIds = resolveRouteRelatedItemIdsForRisk({
-          flagItemIds,
+        const relatedItemIds = resolveRelatedItemIdsForRisk({
+          explicitItemIds: [flagItemId, ...flagItemIds],
           flag,
           risks,
           expenseItems
@@ -616,6 +829,12 @@ export function buildAttachmentRiskCards({
           summary,
           tone
         })
+        const relatedExplanations = resolveRelatedExpenseExplanations(relatedItemIds, expenseItems)
+        const explanationSummary = formatRelatedExpenseExplanations(relatedExplanations)
+        const mergedRuleBasis = uniqueTexts([
+          ...ruleBasis,
+          explanationSummary ? `用户已补充异常说明：${explanationSummary}。` : ''
+        ])
 
         return risks.map((risk, pointIndex) => withRiskTags({
           id: `claim-risk-${index}-${pointIndex}`,
@@ -627,10 +846,12 @@ export function buildAttachmentRiskCards({
           tone,
           label: resolveRiskLevelLabel(tone),
           title,
-          risk,
+          risk: resolveRiskTextWithExplanations(risk, relatedExplanations),
           summary,
-          ruleBasis,
-          suggestion: resolveClaimRiskSuggestion(flag, { risk, summary }),
+          ruleBasis: mergedRuleBasis,
+          suggestion: resolveClaimRiskSuggestion(flag, { risk, summary, relatedExplanations }),
+          relatedExplanations,
+          relatedExplanationSummary: explanationSummary,
           source,
           risk_domain: flag.risk_domain || flag.riskDomain,
           visibility_scope: flag.visibility_scope || flag.visibilityScope,
@@ -702,7 +923,7 @@ export function buildAiAdviceViewModel({
   const normalizedCompletionItems = completionItems.map((item) => normalizeText(item)).filter(Boolean)
   const normalizedMaterialPrompts = materialPrompts.map((item) => normalizeText(item)).filter(Boolean)
   const normalizedProfileAdviceItems = profileAdviceItems.map((item) => normalizeText(item)).filter(Boolean)
-  const normalizedRiskCards = riskCards.filter(Boolean)
+  const normalizedRiskCards = dedupeLowerSeverityRiskCards(riskCards.filter(Boolean))
   const hasHighRisk = normalizedRiskCards.some((card) => card.tone === 'high')
   const sortedRiskCards = sortRiskCardsByTone(normalizedRiskCards)
 
diff --git a/web/src/views/scripts/travelRequestDetailStandardAdjustment.js b/web/src/views/scripts/travelRequestDetailStandardAdjustment.js
index ebb06ed..48cd310 100644
--- a/web/src/views/scripts/travelRequestDetailStandardAdjustment.js
+++ b/web/src/views/scripts/travelRequestDetailStandardAdjustment.js
@@ -30,22 +30,59 @@ export function buildCurrentStandardAdjustmentMap(request = {}, riskFlags = [])
 }
 
 export function resolveExpenseItemForRiskCard(card, expenseItems = []) {
-  const itemId = normalizeText(card?.itemId || card?.item_id)
+  const itemIds = [
+    card?.itemId,
+    card?.item_id,
+    ...(Array.isArray(card?.itemIds) ? card.itemIds : []),
+    ...(Array.isArray(card?.item_ids) ? card.item_ids : [])
+  ].map(normalizeText).filter(Boolean)
   const invoiceId = normalizeText(card?.invoiceId || card?.invoice_id)
   const itemIndex = Number(card?.itemIndex || card?.item_index || 0)
 
-  return expenseItems.find((item) => normalizeText(item.id) === itemId)
+  return expenseItems.find((item) => itemIds.includes(normalizeText(item.id)))
     || expenseItems.find((item) => invoiceId && normalizeText(item.invoiceId) === invoiceId)
     || (itemIndex > 0 ? expenseItems[itemIndex - 1] : null)
     || null
 }
 
+export function resolveExpenseItemsForRiskCard(card, expenseItems = []) {
+  const itemIds = [
+    card?.itemId,
+    card?.item_id,
+    ...(Array.isArray(card?.itemIds) ? card.itemIds : []),
+    ...(Array.isArray(card?.item_ids) ? card.item_ids : [])
+  ].map(normalizeText).filter(Boolean)
+  const invoiceId = normalizeText(card?.invoiceId || card?.invoice_id)
+  const itemIndex = Number(card?.itemIndex || card?.item_index || 0)
+
+  const matchedItems = []
+  const appendItem = (item) => {
+    if (!item || matchedItems.some((entry) => normalizeText(entry.id) === normalizeText(item.id))) {
+      return
+    }
+    matchedItems.push(item)
+  }
+
+  if (itemIds.length) {
+    expenseItems
+      .filter((item) => itemIds.includes(normalizeText(item.id)))
+      .forEach(appendItem)
+  }
+  if (matchedItems.length) {
+    return matchedItems
+  }
+
+  appendItem(expenseItems.find((item) => invoiceId && normalizeText(item.invoiceId) === invoiceId))
+  appendItem(itemIndex > 0 ? expenseItems[itemIndex - 1] : null)
+  return matchedItems
+}
+
 export function isRiskCardMissingExpenseNote(card, expenseItems = []) {
-  const item = resolveExpenseItemForRiskCard(card, expenseItems)
-  if (!item) {
+  const items = resolveExpenseItemsForRiskCard(card, expenseItems)
+  if (!items.length) {
     return true
   }
-  return !normalizeText(item.itemNote)
+  return items.some((item) => !normalizeText(item.itemNote))
 }
 
 export function hasStandardAdjustmentForItem(item, standardAdjustmentMap = new Map()) {
diff --git a/web/vite.config.js b/web/vite.config.js
index 208e708..9b9d5c4 100644
--- a/web/vite.config.js
+++ b/web/vite.config.js
@@ -415,7 +415,7 @@ function normalizeState(env) {
     },
     web: {
       host: env.WEB_HOST || '0.0.0.0',
-      port: Number(env.WEB_PORT || 5173)
+      port: Number(env.WEB_PORT || 5273)
     },
     server: {
       host: env.SERVER_HOST || '0.0.0.0',
@@ -488,7 +488,7 @@ function resolveRuntimePayload(payload, currentEnv) {
   return {
     ...payload,
     web_host: webHost,
-    web_port: Number(payload.web_port || currentEnv.WEB_PORT || 5173),
+    web_port: Number(payload.web_port || currentEnv.WEB_PORT || 5273),
     server_host:
       normalizedWebHost &&
       normalizedWebHost !== '127.0.0.1' &&
diff --git a/web/web_start.sh b/web/web_start.sh
index 7ce2e41..e83a53c 100755
--- a/web/web_start.sh
+++ b/web/web_start.sh
@@ -70,7 +70,7 @@ if [ "${X_FINANCIAL_FORCE_SETUP:-false}" = "true" ]; then
 fi
 
 WEB_HOST="${WEB_HOST:-0.0.0.0}"
-WEB_PORT="${WEB_PORT:-5173}"
+WEB_PORT="${WEB_PORT:-5273}"
 
 export VITE_SETUP_COMPLETED="${SETUP_COMPLETED:-false}"
 export VITE_COMPANY_NAME="${COMPANY_NAME:-}"