feat: 新增员工行为画像算法与费用风险标签体系

后端新增员工行为画像算法模块，支持标签规则引擎和评分计算，
完善员工模型、银行信息、序列化和导入逻辑，优化报销审批流
和工作流常量，增强 Hermes 同步和知识同步能力，前端新增费
用画像详情弹窗、雷达图和风险卡片组件，完善登录页和工作台
样式，优化文档中心和归档中心交互，补充单元测试。

web/src/components/business/PersonalWorkbench.vue

@@ -9,8 +9,7 @@
 
     <article class="panel assistant-hero" :style="{ '--assistant-bg-image': `url(${homepageBackground})` }">
       <div class="assistant-copy">
-        <h1>你的专属 <span>AI 财务助手</span></h1>
-        <p>智能理解财务业务，提供数据洞察与方案建议，高效处理日常事务</p>
+        <h1>嗨，{{ displayUserName }}，我是您的 <span>AI 费用助手</span></h1>
 
         <input
           ref="fileInputRef"
@@ -92,10 +91,10 @@
       </div>
     </article>
 
-    <div class="capability-grid" aria-label="AI 财务助手能力">
+    <div :class="['capability-grid', capabilityGridClass]" aria-label="AI 财务助手能力">
       <button
-        v-for="item in assistantCapabilities"
-        :key="item.title"
+        v-for="item in visibleAssistantCapabilities"
+        :key="item.key"
         type="button"
         class="capability-card panel"
         :class="`capability-card--${item.tone}`"
@@ -226,7 +225,9 @@
             <button
               type="button"
               class="detail-action"
-              @click="openPromptAssistant('查看我的费用画像详情，并总结 AI 使用、提单效率和预审通过率。')"
+              aria-haspopup="dialog"
+              :aria-expanded="expenseProfileModalOpen"
+              @click="openExpenseProfileModal"
             >
               <span>查看详情</span>
               <i class="mdi mdi-chevron-right"></i>
@@ -255,12 +256,24 @@
         </article>
       </aside>
     </div>
+
+    <ExpenseProfileDetailModal
+      :visible="expenseProfileModalOpen"
+      :user-name="displayUserName"
+      :metrics="expenseProfileModalMetrics"
+      :tags="expenseProfileTags"
+      :radar-dimensions="expenseProfileRadarDimensions"
+      :operations="expenseProfileOperations"
+      @close="closeExpenseProfileModal"
+      @explain="explainExpenseProfile"
+    />
   </section>
 </template>
 
 <script setup>
 import { computed, nextTick, onBeforeUnmount, onMounted, ref, watch } from 'vue'
 import PanelHead from '../shared/PanelHead.vue'
+import ExpenseProfileDetailModal from './ExpenseProfileDetailModal.vue'
 import WorkbenchListIcon from '../shared/WorkbenchListIcon.vue'
 import homepageBackground from '../../assets/homepage_backgraound.png'
 import { useSystemState } from '../../composables/useSystemState.js'
@@ -268,6 +281,9 @@ import { useToast } from '../../composables/useToast.js'
 import {
   assistantCapabilities,
   buildExpenseStatItems,
+  expenseProfileOperations,
+  expenseProfileRadarDimensions,
+  expenseProfileTags,
   progressItems,
   progressSteps,
   quickPromptItems,
@@ -296,15 +312,45 @@ const selectedFiles = ref([])
 const pendingAction = ref('')
 const latestExpenseConversation = ref(null)
 const hasLocalExpenseSnapshot = ref(false)
+const expenseProfileModalOpen = ref(false)
 const MAX_ATTACHMENTS = 10
 const SESSION_TYPE_EXPENSE = 'expense'
 const SESSION_TYPE_KNOWLEDGE = 'knowledge'
+const FINANCIAL_CAPABILITY_KEYS = new Set(['budget-planning', 'finance-analysis'])
+const FINANCIAL_CAPABILITY_ROLE_CODES = new Set(['budget_monitor', 'executive', 'admin'])
+const FINANCIAL_CAPABILITY_ROLE_LABELS = new Set(['预算监控员', '高级财务人员', '管理员'])
 
 const hasExpenseConversation = computed(() =>
   Boolean(latestExpenseConversation.value?.conversation_id || latestExpenseConversation.value?.conversationId)
     || hasLocalExpenseSnapshot.value
 )
+const displayUserName = computed(() => {
+  const user = currentUser.value || {}
+  return String(user.name || user.username || '同事').trim() || '同事'
+})
 const expenseActionLabel = computed(() => (hasExpenseConversation.value ? '继续报销' : '新建报销'))
+const currentRoleCodes = computed(() => {
+  const user = currentUser.value || {}
+  const rawCodes = Array.isArray(user.roleCodes)
+    ? user.roleCodes
+    : Array.isArray(user.role_codes)
+      ? user.role_codes
+      : []
+  return new Set(rawCodes.map((code) => String(code || '').trim().toLowerCase()).filter(Boolean))
+})
+const canViewFinancialCapabilities = computed(() => {
+  const user = currentUser.value || {}
+  const roleLabel = String(user.role || '').trim()
+  return Boolean(user.isAdmin)
+    || FINANCIAL_CAPABILITY_ROLE_LABELS.has(roleLabel)
+    || Array.from(currentRoleCodes.value).some((code) => FINANCIAL_CAPABILITY_ROLE_CODES.has(code))
+})
+const visibleAssistantCapabilities = computed(() =>
+  assistantCapabilities.filter((item) => canViewFinancialCapabilities.value || !FINANCIAL_CAPABILITY_KEYS.has(item.key))
+)
+const capabilityGridClass = computed(() =>
+  canViewFinancialCapabilities.value ? 'capability-grid--privileged' : 'capability-grid--standard'
+)
 const expenseStatItems = computed(() => buildExpenseStatItems(props.workbenchSummary))
 const visibleExpenseStatItems = computed(() => {
   const preferredKeys = ['monthly-amount', 'monthly-count', 'in-review', 'pending-payment']
@@ -318,6 +364,12 @@ const visibleUsageProfileMetrics = computed(() => {
     .map((key) => usageProfileMetrics.find((item) => item.key === key))
     .filter(Boolean)
 })
+const expenseProfileModalMetrics = computed(() => {
+  const preferredKeys = ['stay-duration', 'ai-usage', 'auto-pass-rate', 'audit-duration']
+  return preferredKeys
+    .map((key) => usageProfileMetrics.find((item) => item.key === key))
+    .filter(Boolean)
+})
 const visibleTodoItems = computed(() => todoItems.slice(0, 5))
 const visibleProgressItems = computed(() => progressItems.slice(0, 5))
 const todoAlertCount = computed(() => visibleTodoItems.value.length)
@@ -417,6 +469,19 @@ function openPromptAssistant(prompt) {
   })
 }
 
+function openExpenseProfileModal() {
+  expenseProfileModalOpen.value = true
+}
+
+function closeExpenseProfileModal() {
+  expenseProfileModalOpen.value = false
+}
+
+function explainExpenseProfile() {
+  closeExpenseProfileModal()
+  openPromptAssistant('请根据我的费用画像标签、行为雷达和最近 5 次操作，解释我的费用使用特点和可以优化的地方。')
+}
+
 function handleWorkbenchEnter(event) {
   if (event.isComposing) {
     return