feat(risk): 申请单阶段风险可见性细化与规则表更新

- 申请单阶段将 policy/trip/amount 类风险对申请人可见、可自行修正，画像/审批流程类仍走领导可见
- 平台风险标记与语义推断统一采用该策略，更新对应单元测试
- 风险规则中 city_mismatch 等城市匹配规则移除 expense_application 阶段，仅保留 reimbursement
- 同步更新交通/通信/差旅/出差等财务规则表

server/rules/risk-rules/risk.travel.high.city_mismatch.json

@@ -12,7 +12,6 @@
   "finance_rule_code": "rule.expense.company_travel_expense_reimbursement",
   "finance_rule_sheet": "差旅住宿费标准",
   "business_stage": [
-    "expense_application",
     "reimbursement"
   ],
   "expense_types": [
@@ -27,7 +26,6 @@
       "travel"
     ],
     "business_stages": [
-      "expense_application",
       "reimbursement"
     ]
   },
@@ -154,7 +152,6 @@
     "finance_rule_code": "rule.expense.company_travel_expense_reimbursement",
     "finance_rule_sheet": "差旅住宿费标准",
     "business_stage": [
-      "expense_application",
       "reimbursement"
     ],
     "expense_types": [

server/rules/risk-rules/risk.travel.high.date_outside_trip.json

@@ -12,7 +12,6 @@
   "finance_rule_code": "rule.expense.company_travel_expense_reimbursement",
   "finance_rule_sheet": "差旅住宿费标准",
   "business_stage": [
-    "expense_application",
     "reimbursement"
   ],
   "expense_types": [
@@ -27,7 +26,6 @@
       "travel"
     ],
     "business_stages": [
-      "expense_application",
       "reimbursement"
     ]
   },
@@ -157,7 +155,6 @@
     "finance_rule_code": "rule.expense.company_travel_expense_reimbursement",
     "finance_rule_sheet": "差旅住宿费标准",
     "business_stage": [
-      "expense_application",
       "reimbursement"
     ],
     "expense_types": [

server/rules/risk-rules/risk.travel.high.personal_purpose.json

@@ -12,7 +12,6 @@
   "finance_rule_code": "rule.expense.company_travel_expense_reimbursement",
   "finance_rule_sheet": "差旅住宿费标准",
   "business_stage": [
-    "expense_application",
     "reimbursement"
   ],
   "expense_types": [
@@ -27,7 +26,6 @@
       "travel"
     ],
     "business_stages": [
-      "expense_application",
       "reimbursement"
     ]
   },
@@ -131,7 +129,6 @@
     "finance_rule_code": "rule.expense.company_travel_expense_reimbursement",
     "finance_rule_sheet": "差旅住宿费标准",
     "business_stage": [
-      "expense_application",
       "reimbursement"
     ],
     "expense_types": [

server/rules/risk-rules/risk.travel.high.preapproval_absent.json

@@ -12,7 +12,6 @@
   "finance_rule_code": "expense.preapproval.policy",
   "finance_rule_sheet": "费用申请审批规则",
   "business_stage": [
-    "expense_application",
     "reimbursement"
   ],
   "expense_types": [
@@ -27,7 +26,6 @@
       "travel"
     ],
     "business_stages": [
-      "expense_application",
       "reimbursement"
     ]
   },
@@ -113,7 +111,6 @@
     "finance_rule_code": "expense.preapproval.policy",
     "finance_rule_sheet": "费用申请审批规则",
     "business_stage": [
-      "expense_application",
       "reimbursement"
     ],
     "expense_types": [

server/rules/risk-rules/risk.travel.low.attachment_ocr_missing.json

@@ -12,7 +12,6 @@
   "finance_rule_code": "rule.expense.company_travel_expense_reimbursement",
   "finance_rule_sheet": "差旅住宿费标准",
   "business_stage": [
-    "expense_application",
     "reimbursement"
   ],
   "expense_types": [
@@ -27,7 +26,6 @@
       "travel"
     ],
     "business_stages": [
-      "expense_application",
       "reimbursement"
     ]
   },
@@ -99,7 +97,6 @@
     "finance_rule_code": "rule.expense.company_travel_expense_reimbursement",
     "finance_rule_sheet": "差旅住宿费标准",
     "business_stage": [
-      "expense_application",
       "reimbursement"
     ],
     "expense_types": [

server/rules/risk-rules/risk.travel.low.local_transport_detail_missing.json

@@ -12,7 +12,6 @@
   "finance_rule_code": "rule.expense.company_travel_transport_class",
   "finance_rule_sheet": "交通工具等级标准",
   "business_stage": [
-    "expense_application",
     "reimbursement"
   ],
   "expense_types": [
@@ -27,7 +26,6 @@
       "travel"
     ],
     "business_stages": [
-      "expense_application",
       "reimbursement"
     ]
   },
@@ -139,7 +137,6 @@
     "finance_rule_code": "rule.expense.company_travel_transport_class",
     "finance_rule_sheet": "交通工具等级标准",
     "business_stage": [
-      "expense_application",
       "reimbursement"
     ],
     "expense_types": [

server/rules/risk-rules/risk.travel.low.vague_ticket_content.json

@@ -12,7 +12,6 @@
   "finance_rule_code": "rule.expense.company_travel_expense_reimbursement",
   "finance_rule_sheet": "差旅住宿费标准",
   "business_stage": [
-    "expense_application",
     "reimbursement"
   ],
   "expense_types": [
@@ -27,7 +26,6 @@
       "travel"
     ],
     "business_stages": [
-      "expense_application",
       "reimbursement"
     ]
   },
@@ -98,7 +96,6 @@
     "finance_rule_code": "rule.expense.company_travel_expense_reimbursement",
     "finance_rule_sheet": "差旅住宿费标准",
     "business_stage": [
-      "expense_application",
       "reimbursement"
     ],
     "expense_types": [

server/rules/risk-rules/risk.travel.medium.duplicate_ticket.json

@@ -12,7 +12,6 @@
   "finance_rule_code": "rule.expense.company_travel_expense_reimbursement",
   "finance_rule_sheet": "差旅住宿费标准",
   "business_stage": [
-    "expense_application",
     "reimbursement"
   ],
   "expense_types": [
@@ -27,7 +26,6 @@
       "travel"
     ],
     "business_stages": [
-      "expense_application",
       "reimbursement"
     ]
   },
@@ -98,7 +96,6 @@
     "finance_rule_code": "rule.expense.company_travel_expense_reimbursement",
     "finance_rule_sheet": "差旅住宿费标准",
     "business_stage": [
-      "expense_application",
       "reimbursement"
     ],
     "expense_types": [

server/rules/risk-rules/risk.travel.medium.multi_city_no_reason.json

@@ -12,7 +12,6 @@
   "finance_rule_code": "rule.expense.company_travel_expense_reimbursement",
   "finance_rule_sheet": "差旅住宿费标准",
   "business_stage": [
-    "expense_application",
     "reimbursement"
   ],
   "expense_types": [
@@ -27,7 +26,6 @@
       "travel"
     ],
     "business_stages": [
-      "expense_application",
       "reimbursement"
     ]
   },
@@ -116,7 +114,6 @@
     "finance_rule_code": "rule.expense.company_travel_expense_reimbursement",
     "finance_rule_sheet": "差旅住宿费标准",
     "business_stage": [
-      "expense_application",
       "reimbursement"
     ],
     "expense_types": [

server/rules/risk-rules/risk.travel.medium.reason_too_brief.json

@@ -12,7 +12,6 @@
   "finance_rule_code": "expense.preapproval.policy",
   "finance_rule_sheet": "费用申请审批规则",
   "business_stage": [
-    "expense_application",
     "reimbursement"
   ],
   "expense_types": [
@@ -27,7 +26,6 @@
       "travel"
     ],
     "business_stages": [
-      "expense_application",
       "reimbursement"
     ]
   },
@@ -87,7 +85,6 @@
     "finance_rule_code": "expense.preapproval.policy",
     "finance_rule_sheet": "费用申请审批规则",
     "business_stage": [
-      "expense_application",
       "reimbursement"
     ],
     "expense_types": [

server/rules/risk-rules/risk.travel.medium.title_mismatch.json

@@ -12,7 +12,6 @@
   "finance_rule_code": "rule.expense.company_travel_expense_reimbursement",
   "finance_rule_sheet": "差旅住宿费标准",
   "business_stage": [
-    "expense_application",
     "reimbursement"
   ],
   "expense_types": [
@@ -27,7 +26,6 @@
       "travel"
     ],
     "business_stages": [
-      "expense_application",
       "reimbursement"
     ]
   },
@@ -109,7 +107,6 @@
     "finance_rule_code": "rule.expense.company_travel_expense_reimbursement",
     "finance_rule_sheet": "差旅住宿费标准",
     "business_stage": [
-      "expense_application",
       "reimbursement"
     ],
     "expense_types": [