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": [

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 = (
+    # 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；
-        "budget_manager"
+    # 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"
+    if risk_domain == "budget":
-        else "leader"
+        default_visibility_scope = "budget_manager"
-        if business_stage == "expense_application"
+        default_actionability = "budget_governance"
-        else "submitter"
+    elif business_stage == "expense_application" and risk_domain in {"policy", "trip", "amount"}:
-    )
+        default_visibility_scope = "submitter"
-    default_actionability = (
+        default_actionability = "fixable_by_submitter"
-        "budget_governance"
+    elif business_stage == "expense_application":
-        if risk_domain == "budget"
+        default_visibility_scope = "leader"
-        else "review_decision"
+        default_actionability = "review_decision"
-        if business_stage == "expense_application"
+    else:
-        else "fixable_by_submitter"
+        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"
 

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"
+        # 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]["actionability"] == "review_decision"
+        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