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,