feat(web): 工作台 AI 模式报销预审与文档查询模型拆分

- 新增 aiApplicationPrecheckModel/aiDocumentQueryModel/aiApplicationPreviewActions/aiConversationHtmlRenderer 四个独立模型与服务，按职责从主组件拆出
- PersonalWorkbenchAiMode 接入拆分后的预审、文档查询与 HTML 渲染逻辑，配合 markdown 工具增强结构化展示
- 文档中心与归档筛选、风险可见性、申请预览等工具同步适配，补充对应单元测试
- 新增 AI 文档卡片背景资源

web/src/views/DocumentsCenterView.vue

@@ -258,6 +258,7 @@ import EnterprisePagination from '../components/shared/EnterprisePagination.vue'
 import TableEmptyState from '../components/shared/TableEmptyState.vue'
 import TableLoadingState from '../components/shared/TableLoadingState.vue'
 import { useMinimumVisibleState } from '../composables/useMinimumVisibleState.js'
+import { useSystemState } from '../composables/useSystemState.js'
 import { mapExpenseClaimToRequest } from '../composables/useRequests.js'
 import {
   extractExpenseClaimItems,
@@ -377,6 +378,8 @@ const emit = defineEmits([
   'summary-change'
 ])
 
+const { currentUser } = useSystemState()
+
 function readDocumentCenterQueryText(key) {
   const value = route.query?.[key]
   return String(Array.isArray(value) ? value[0] || '' : value || '').trim()
@@ -781,7 +784,12 @@ function resolveDocumentRiskFlags(row) {
 function buildDocumentRiskMeta(row) {
   const riskFlags = resolveDocumentRiskFlags(row)
   const riskSummary = row?.riskSummary || row?.risk
-  const count = countClaimRisks(riskFlags, riskSummary)
+  // 列表风险标签按当前查看者可见性过滤，与详情页口径一致：
+  // 申请人看不到的预算治理等风险不计入列表展示的风险等级。
+  const viewerOptions = currentUser.value
+    ? { request: row || {}, currentUser: currentUser.value }
+    : null
+  const count = countClaimRisks(riskFlags, riskSummary, viewerOptions)
   if (!count) {
     const meta = RISK_TONE_META.none
     return {
@@ -791,7 +799,7 @@ function buildDocumentRiskMeta(row) {
     }
   }
 
-  const tone = resolveArchiveRiskTone(riskFlags, riskSummary)
+  const tone = resolveArchiveRiskTone(riskFlags, riskSummary, viewerOptions)
   const meta = RISK_TONE_META[tone] || RISK_TONE_META.medium
   return {
     ...meta,

web/src/views/PersonalWorkbenchView.vue

@@ -6,6 +6,7 @@
       :sidebar-command="aiSidebarCommand"
       @conversation-change="emit('ai-conversation-change', $event)"
       @conversation-history-change="emit('ai-conversation-history-change', $event)"
+      @open-document="emit('open-document', $event)"
     />
     <PersonalWorkbench
       v-else

web/src/views/scripts/TravelRequestDetailView.js

@@ -1683,7 +1683,7 @@ export default {
         )
       )
       || (!isEditableRequest.value && canViewApprovalRiskAdvice.value && aiAdvice.value.riskCards.length > 0)
-      || (!isEditableRequest.value && isCurrentApplicant.value && !isApplicationDocument.value && hasVisibleRiskCards.value)
+      || (!isEditableRequest.value && isCurrentApplicant.value && hasVisibleRiskCards.value)
     ))
 
     function normalizeRiskDomId(value) {
@@ -1750,21 +1750,24 @@ export default {
     }
 
     const aiAdviceTitle = computed(() => {
-      if (!isEditableRequest.value && isCurrentApplicant.value && !isApplicationDocument.value) {
-        return '风险提示'
+      if (!isEditableRequest.value && isCurrentApplicant.value) {
+        return isApplicationDocument.value ? '申请风险提示' : '风险提示'
       }
       if (isEditableRequest.value && isApplicationDocument.value) {
         return '表单自查提示'
       }
       return isEditableRequest.value ? 'AI建议' : '风险提示'
     })
-    const aiAdviceHint = computed(() => (
-      !isEditableRequest.value && isCurrentApplicant.value && !isApplicationDocument.value
-        ? '展示票据、行程、金额等可自行修正的风险点，便于提交人先整改，减少后续退单。'
-        : isEditableRequest.value
-          ? (isApplicationDocument.value ? '仅提示申请表单本身需要补充的内容，不展示预算治理细节。' : '系统会在草稿保存和附件识别后自动更新检测结果。')
-          : '展示系统已识别的风险点，便于审批和后续整改。'
-    ))
+    const aiAdviceHint = computed(() => {
+      if (!isEditableRequest.value && isCurrentApplicant.value) {
+        return isApplicationDocument.value
+          ? '展示申请单已识别的风险点及原因，请逐条确认或补充说明后再提交给领导审批。'
+          : '展示票据、行程、金额等可自行修正的风险点，便于提交人先整改，减少后续退单。'
+      }
+      return isEditableRequest.value
+        ? (isApplicationDocument.value ? '仅提示申请表单本身需要补充的内容，不展示预算治理细节。' : '系统会在草稿保存和附件识别后自动更新检测结果。')
+        : '展示系统已识别的风险点，便于审批和后续整改。'
+    })
 
     const submitActionLabel = computed(() => {
       return resolveSubmitActionLabel({

web/src/views/scripts/useApplicationPreviewEditor.js

@@ -252,6 +252,7 @@ export function useApplicationPreviewEditor({
     resolveApplicationPreviewRows,
     resolveApplicationPreviewEditorControl,
     resolveApplicationPreviewEditorOptions,
+    refreshApplicationPreviewEstimate,
     isApplicationPreviewEditing,
     isApplicationPreviewDateEditorOpen,
     openApplicationPreviewEditor,