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/tests/test_user_agent_service.py

@@ -727,7 +727,7 @@ def test_user_agent_draft_returns_structured_payload() -> None:
         assert response.answer == response.review_payload.body_message
 
 
-def test_user_agent_returns_draft_limit_message_when_save_is_blocked() -> None:
+def test_user_agent_returns_draft_limit_message_when_save_is_blocked() -> None:
     session_factory = build_session_factory()
     with session_factory() as db:
         ontology = SemanticOntologyService(db).parse(
@@ -751,13 +751,50 @@ def test_user_agent_returns_draft_limit_message_when_save_is_blocked() -> None:
             )
         )
 
-        assert (
-            response.answer
-            == "你当前已保存 3 个草稿，请先完成已保存的草稿，才能再次新建草稿。"
-        )
-
-
-def test_user_agent_builds_review_payload_for_multi_document_expense_flow() -> None:
+        assert (
+            response.answer
+            == "你当前已保存 3 个草稿，请先完成已保存的草稿，才能再次新建草稿。"
+        )
+
+
+def test_user_agent_returns_submitted_draft_payload_for_review_next_step() -> None:
+    session_factory = build_session_factory()
+    with session_factory() as db:
+        context_json = {
+            "review_action": "next_step",
+            "draft_claim_id": "claim-1",
+            "attachment_count": 1,
+        }
+        ontology = SemanticOntologyService(db).parse(
+            OntologyParseRequest(
+                query="我已核对右侧识别结果，请进入下一步。",
+                user_id="pytest",
+                context_json=context_json,
+            )
+        )
+        response = UserAgentService(db).respond(
+            UserAgentRequest(
+                run_id=ontology.run_id,
+                user_id="pytest",
+                message="我已核对右侧识别结果，请进入下一步。",
+                ontology=ontology,
+                context_json=context_json,
+                tool_payload={
+                    "claim_id": "claim-1",
+                    "claim_no": "BX202605200001",
+                    "status": "submitted",
+                    "approval_stage": "直属领导审批",
+                },
+            )
+        )
+
+        assert response.draft_payload is not None
+        assert response.draft_payload.status == "submitted"
+        assert response.draft_payload.confirmation_required is False
+        assert "当前节点为 直属领导审批" in response.answer
+
+
+def test_user_agent_builds_review_payload_for_multi_document_expense_flow() -> None:
     session_factory = build_session_factory()
     with session_factory() as db:
         yesterday = (datetime.now(UTC).date() - timedelta(days=1)).isoformat()