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/src/app/services/expense_claim_platform_risk_flag.py

@@ -60,20 +60,20 @@ def build_platform_risk_flag(
         default=default_business_stage,
     )
     risk_domain = infer_risk_domain(manifest)
-    default_visibility_scope = (
-        "budget_manager"
-        if risk_domain == "budget"
-        else "leader"
-        if business_stage == "expense_application"
-        else "submitter"
-    )
-    default_actionability = (
-        "budget_governance"
-        if risk_domain == "budget"
-        else "review_decision"
-        if business_stage == "expense_application"
-        else "fixable_by_submitter"
-    )
+    # 申请单阶段：信息完整性/差旅/金额类风险申请人可自行补充修正，对申请人可见；
+    # 预算走预算审批人；其余（画像/审批流程）仍走领导可见。
+    if risk_domain == "budget":
+        default_visibility_scope = "budget_manager"
+        default_actionability = "budget_governance"
+    elif business_stage == "expense_application" and risk_domain in {"policy", "trip", "amount"}:
+        default_visibility_scope = "submitter"
+        default_actionability = "fixable_by_submitter"
+    elif business_stage == "expense_application":
+        default_visibility_scope = "leader"
+        default_actionability = "review_decision"
+    else:
+        default_visibility_scope = "submitter"
+        default_actionability = "fixable_by_submitter"
     visibility_scope = normalize_risk_visibility_scope(
         metadata.get("visibility_scope") or manifest.get("visibility_scope"),
         default_visibility_scope,

server/src/app/services/expense_claim_risk_stage.py

@@ -178,6 +178,10 @@ def infer_risk_semantics(
             return risk_domain, "submitter", "fixable_by_submitter"
         return risk_domain, "finance", "finance_check"
     if business_stage == EXPENSE_APPLICATION_BUSINESS_STAGE:
+        # 申请单阶段：信息完整性/差旅/金额类风险申请人可自行补充修正，
+        # 对申请人可见；其余（如画像、审批流程）仍走领导可见。
+        if risk_domain in {"policy", "trip", "amount"}:
+            return risk_domain, "submitter", "fixable_by_submitter"
         return risk_domain, "leader", "review_decision"
     return risk_domain, "leader", "review_decision"