diff --git a/server/src/app/services/orchestrator.py b/server/src/app/services/orchestrator.py
index f3a0205..54a6b94 100644
--- a/server/src/app/services/orchestrator.py
+++ b/server/src/app/services/orchestrator.py
@@ -657,8 +657,8 @@ class OrchestratorService:
 
         if ontology.scenario == "expense":
             tool_type = AgentToolType.DATABASE.value
-            tool_name = "database.expense_claims.upsert_draft"
-            executor = lambda: self.expense_claim_service.upsert_draft_from_ontology(
+            tool_name = "database.expense_claims.save_or_submit"
+            executor = lambda: self.expense_claim_service.save_or_submit_from_ontology(
                 run_id=run_id,
                 user_id=payload.user_id,
                 message=payload.message or "",
diff --git a/server/tests/test_orchestrator_service.py b/server/tests/test_orchestrator_service.py
index b187a4a..39e8105 100644
--- a/server/tests/test_orchestrator_service.py
+++ b/server/tests/test_orchestrator_service.py
@@ -629,6 +629,65 @@ def test_orchestrator_user_agent_draft_returns_structured_payload() -> None:
         assert claim.items
 
 
+def test_orchestrator_expense_next_step_submits_claim_to_approval() -> None:
+    client, session_factory = build_client()
+    user_id = "zhangsan@example.com"
+
+    with session_factory() as db:
+        db.add(
+            Employee(
+                employee_no="E3001",
+                name="张三",
+                email=user_id,
+            )
+        )
+        db.commit()
+
+    response = client.post(
+        "/api/v1/orchestrator/run",
+        json={
+            "source": "user_message",
+            "user_id": user_id,
+            "message": "帮我报销昨天去上海出差的交通费680元",
+            "context_json": {
+                "role_codes": ["employee"],
+                "name": "张三",
+                "department_name": "销售部",
+                "attachment_names": ["didi-trip.png"],
+                "attachment_count": 1,
+                "review_action": "next_step",
+                "review_form_values": {
+                    "reporter_name": "张三",
+                    "expense_type": "交通费",
+                    "amount": "680",
+                    "occurred_date": "2026-05-13",
+                    "location": "上海",
+                    "reason": "上海客户拜访交通"
+                },
+            },
+        },
+    )
+
+    assert response.status_code == 200
+    payload = response.json()
+    assert payload["status"] == "succeeded"
+    assert payload["result"]["draft_payload"]["claim_no"].startswith("EXP-")
+    assert payload["result"]["draft_payload"]["status"] == "submitted"
+    assert payload["result"]["draft_payload"]["approval_stage"] == "AI验审"
+    assert "已提交审批" in payload["result"]["answer"]
+
+    with session_factory() as db:
+        claim = db.scalar(
+            select(ExpenseClaim).where(
+                ExpenseClaim.id == payload["result"]["draft_payload"]["claim_id"]
+            )
+        )
+        assert claim is not None
+        assert claim.status == "submitted"
+        assert claim.approval_stage == "AI验审"
+        assert claim.submitted_at is not None
+
+
 def test_orchestrator_blocks_fourth_expense_draft_for_same_user() -> None:
     client, session_factory = build_client()
     user_id = "zhangsan@example.com"