feat: 新增风险图谱算法与系统仪表盘及操作反馈体系

后端新增风险图谱算法模块、风险观察与反馈服务、规则 DSL
校验器和可解释性引擎，完善系统仪表盘和财务仪表盘统计，
优化 agent 运行和编排执行链路，清理旧开发文档，前端新增
系统趋势、负载热力图等多种仪表盘图表组件，完善操作反馈
对话框和工作台日期选择器，优化报销创建和审批详情交互，
补充单元测试覆盖。

web/tests/backend-health-timeout.test.mjs

@@ -14,6 +14,14 @@ test('app route guard allows stale healthy state when health check times out', (
   assert.match(routerScript, /checkBackendHealth\(\{\s*allowStaleOnTimeout:\s*true\s*\}\)/)
 })
 
+test('authenticated in-app navigation does not wait for backend health check', () => {
+  assert.match(routerScript, /function isAuthenticatedAppNavigation\(to, from\)/)
+  assert.match(
+    routerScript,
+    /if \(isAuthenticatedAppNavigation\(to, from\)\) \{[\s\S]*scheduleBackgroundBackendHealthCheck\(\)[\s\S]*return true[\s\S]*\}/
+  )
+})
+
 test('backend health timeout does not block app rendering when stale fallback is allowed', async () => {
   const originalFetch = global.fetch