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/tests/test_expense_claim_platform_risk_stage.py

@@ -308,8 +308,9 @@ def test_platform_risk_rules_are_filtered_by_business_stage_and_category(
         ]
         assert application_review["flags"][0]["message"] == "申请环节规则命中"
         assert application_review["flags"][0]["business_stage"] == "expense_application"
-        assert application_review["flags"][0]["visibility_scope"] == "leader"
-        assert application_review["flags"][0]["actionability"] == "review_decision"
+        # 申请单阶段信息完整性（policy 域）风险对申请人可见，便于申请时知晓并修正
+        assert application_review["flags"][0]["visibility_scope"] == "submitter"
+        assert application_review["flags"][0]["actionability"] == "fixable_by_submitter"
         assert [flag["rule_code"] for flag in reimbursement_review["flags"]] == [
             "reimbursement.stage.rule"
         ]
@@ -354,7 +355,8 @@ def test_expense_application_pre_review_runs_stage_rules(tmp_path, monkeypatch)
         assert rule_flags[0]["message"] == "申请预审规则命中"
         assert rule_flags[0]["business_stage"] == "expense_application"
         assert rule_flags[0]["risk_domain"] == "policy"
-        assert rule_flags[0]["visibility_scope"] == "leader"
+        # 申请单阶段信息完整性风险对申请人可见
+        assert rule_flags[0]["visibility_scope"] == "submitter"
         ai_pre_review = [
             flag
             for flag in reviewed.risk_flags_json