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/tests/ai-application-precheck-model.test.mjs

@@ -0,0 +1,114 @@
+import assert from 'node:assert/strict'
+import test from 'node:test'
+
+import {
+  buildAiApplicationPrecheck,
+  buildAiApplicationPrecheckMessage,
+  buildAiApplicationPrecheckThinkingEvents
+} from '../src/utils/aiApplicationPrecheckModel.js'
+
+const preview = {
+  fields: {
+    applicationType: '差旅费用申请',
+    time: '2026-02-20 至 2026-02-23',
+    location: '上海',
+    reason: '辅助国网仿生产服务器部署',
+    amount: '2,120元',
+    days: '4天',
+    transportMode: '火车'
+  },
+  missingFields: []
+}
+
+test('application precheck blocks application generation when existing application overlaps', () => {
+  const precheck = buildAiApplicationPrecheck(preview, {
+    currentUser: { name: '曹笑竹', departmentName: '技术部' },
+    claimsPayload: {
+      items: [
+        {
+          claim_no: 'AP-OVERLAP',
+          document_type: 'expense_application',
+          expense_type: 'travel_application',
+          employee_name: '曹笑竹',
+          status: 'submitted',
+          risk_flags_json: [
+            {
+              source: 'application_detail',
+              application_detail: {
+                business_time: '2026-02-21 至 2026-02-22',
+                reason: '同时间段现场支持',
+                location: '上海'
+              }
+            }
+          ]
+        }
+      ]
+    },
+    budgetSummary: {
+      total_amount: 10000,
+      reserved_amount: 8000,
+      consumed_amount: 500,
+      available_amount: 1500
+    }
+  })
+
+  assert.equal(precheck.overlap.status, 'warning')
+  assert.match(precheck.overlap.summary, /可能重叠/)
+  assert.equal(precheck.overlap.matches[0].claimNo, 'AP-OVERLAP')
+  assert.equal(precheck.budget.status, 'warning')
+  assert.equal(precheck.budget.requiresBudgetReview, true)
+  assert.match(precheck.budget.summary, /预算管理者审核/)
+
+  const message = buildAiApplicationPrecheckMessage(preview, precheck)
+  assert.match(message, /### 发现同时间段已有申请单/)
+  assert.match(message, /时间重叠提醒/)
+  assert.match(message, /AP-OVERLAP/)
+  assert.match(message, /\| 单据编号 \| 申请时间 \| 状态 \| 事由 \| 操作 \|/)
+  assert.match(message, /\| AP-OVERLAP \| 2026-02-21 至 2026-02-22 \| 审批中 \| 同时间段现场支持 \| \[查看\]\(#ai-open-application-detail:AP-OVERLAP\) \|/)
+  assert.match(message, /2026-02-21 至 2026-02-22/)
+  assert.match(message, /同时间段现场支持/)
+  assert.match(message, /请先检查本次申请时间是否填写正确/)
+  assert.doesNotMatch(message, /出差申请表草稿已生成/)
+})
+
+test('application precheck emits thinking events for overlap, budget, and form generation', () => {
+  const precheck = buildAiApplicationPrecheck(preview, {
+    currentUser: { name: '曹笑竹' },
+    claimsPayload: [],
+    budgetSummary: {
+      total_amount: 10000,
+      reserved_amount: 1000,
+      consumed_amount: 1000,
+      available_amount: 8000
+    }
+  })
+  const events = buildAiApplicationPrecheckThinkingEvents(precheck)
+
+  assert.equal(events.length, 3)
+  assert.deepEqual(
+    events.map((event) => event.eventId),
+    ['application-precheck-overlap', 'application-precheck-budget', 'application-precheck-form']
+  )
+  assert.match(events[1].content, /预算/)
+})
+
+test('application precheck ignores application candidates without parseable business time', () => {
+  const precheck = buildAiApplicationPrecheck(preview, {
+    currentUser: { name: '曹笑竹' },
+    claimsPayload: {
+      items: [
+        {
+          claim_no: 'AP-NO-TIME',
+          document_type: 'expense_application',
+          expense_type: 'travel_application',
+          employee_name: '曹笑竹',
+          status: 'submitted'
+        }
+      ]
+    },
+    budgetSummary: {}
+  })
+
+  assert.equal(precheck.overlap.status, 'ok')
+  assert.deepEqual(precheck.overlap.matches, [])
+})