feat: 重构报销单AI预审流程并添加平台风险规则引擎

- 将AI验审改为AI预审，高风险不再拦截而是随单流转给审批人复核
- 新增平台风险规则评估引擎，支持事由过短、票据异常、重复发票等多种评估器
- 用户上下文增加部门信息(department_name)，认证流程同步关联组织架构
- 规则scenario_json改为中文标签(差旅/费用科目)，统一场景分类
- 新增orchestrator审核流程测试用例
- 前端更新审计视图、差旅报销等相关页面

server/src/app/services/user_agent.py

@@ -255,7 +255,7 @@ class UserAgentService:
         query_payload = self._build_query_payload(payload)
         draft_payload = (
             self._build_draft_payload(payload)
-            if payload.ontology.intent == "draft"
+            if self._should_build_draft_payload(payload)
             else None
         )
         review_payload = self._build_review_payload(
@@ -1683,7 +1683,10 @@ class UserAgentService:
         if not risk_flags and not platform_messages:
             return "当前未识别到明确风险标签，建议继续查看原始明细或补充更多上下文。"
 
-        reasons = [RISK_REASON_MAP.get(flag, f"{flag} 需要人工进一步确认。") for flag in risk_flags]
+        reasons = [
+            f"{flag}：{RISK_REASON_MAP.get(flag, f'{flag} 需要人工进一步确认。')}"
+            for flag in risk_flags
+        ]
         if platform_messages:
             reasons.extend(platform_messages)
         citation_text = (
@@ -1764,6 +1767,17 @@ class UserAgentService:
             approval_stage=approval_stage,
         )
 
+    @staticmethod
+    def _should_build_draft_payload(payload: UserAgentRequest) -> bool:
+        if payload.ontology.intent == "draft":
+            return True
+        if payload.ontology.scenario != "expense":
+            return False
+        return any(
+            str(payload.tool_payload.get(key) or "").strip()
+            for key in ("claim_id", "claim_no", "status")
+        )
+
     def _build_suggested_actions(
         self,
         payload: UserAgentRequest,
@@ -1868,6 +1882,7 @@ class UserAgentService:
             payload,
             slot_cards=slot_cards,
         )
+        submission_blocked = bool(payload.tool_payload.get("submission_blocked"))
         risk_briefs = self._build_review_risk_briefs(
             payload,
             citations=citations,
@@ -1877,7 +1892,7 @@ class UserAgentService:
         association_choice_pending = self._is_review_association_choice_pending(payload)
         can_proceed = (
             False
-            if association_choice_pending
+            if association_choice_pending or submission_blocked
             else self._can_proceed_review(
                 payload,
                 missing_slot_keys=missing_slot_keys,
@@ -2157,6 +2172,15 @@ class UserAgentService:
         claim_groups: list[UserAgentReviewClaimGroup],
     ) -> list[UserAgentReviewRiskBrief]:
         briefs: list[UserAgentReviewRiskBrief] = []
+        for reason in self._resolve_submission_blocked_reasons(payload):
+            briefs.append(
+                UserAgentReviewRiskBrief(
+                    title="AI预审未通过",
+                    level="high",
+                    content=reason,
+                )
+            )
+
         employee_name = self._collect_entity_values(payload).get("employee_name") or str(
             payload.context_json.get("name") or ""
         ).strip()
@@ -2229,6 +2253,36 @@ class UserAgentService:
 
         return briefs[:4]
 
+    @staticmethod
+    def _resolve_submission_blocked_reasons(payload: UserAgentRequest) -> list[str]:
+        raw_reasons = payload.tool_payload.get("submission_blocked_reasons")
+        if raw_reasons is None:
+            raw_reasons = payload.tool_payload.get("missing_fields")
+
+        reasons: list[str] = []
+        if isinstance(raw_reasons, list):
+            reasons.extend(str(item or "").strip() for item in raw_reasons)
+        elif isinstance(raw_reasons, str):
+            reasons.extend(
+                item.strip()
+                for item in re.split(r"[；;\n]+", raw_reasons)
+                if item.strip()
+            )
+
+        if not reasons:
+            message = str(payload.tool_payload.get("message") or "").strip()
+            prefix = "提交前请先补全信息："
+            if message.startswith(prefix):
+                message = message[len(prefix):].strip()
+            if message:
+                reasons.extend(
+                    item.strip()
+                    for item in re.split(r"[；;\n]+", message)
+                    if item.strip() and not item.strip().startswith("AI预审暂未通过")
+                )
+
+        return list(dict.fromkeys(reason for reason in reasons if reason))
+
     def _build_review_confirmation_actions(
         self,
         payload: UserAgentRequest,
@@ -2383,6 +2437,16 @@ class UserAgentService:
                 stage_text = draft_payload.approval_stage or "审批中"
                 return f"报销单 {draft_payload.claim_no or ''} 已提交，当前节点为 {stage_text}。".strip()
             if payload.tool_payload.get("submission_blocked"):
+                reasons = self._resolve_submission_blocked_reasons(payload)
+                if reasons:
+                    reason_lines = "\n".join(
+                        f"{index}. {reason}" for index, reason in enumerate(reasons, start=1)
+                    )
+                    return (
+                        "AI预审暂未通过，所以还没有提交到审批人。\n"
+                        f"{reason_lines}\n"
+                        "请先处理以上项目；处理完成后再点继续下一步。"
+                    )
                 return str(payload.tool_payload.get("message") or "").strip() or "当前报销单暂时还不能提交审批。"
             return (
                 f"{self._build_review_intent_summary(payload, slot_cards=review_payload.slot_cards, claim_groups=review_payload.claim_groups)} "