feat: 扩展风险规则体系、审批动态路由与预算中心列表化改造

- 新增 25+ 条风险规则（预算/报销/申请/通用类），完善风险规则模拟与反馈发布机制
- 引入费用审批动态路由、平台风险分级、预审与风险阶段管理
- 预算中心列表化改造，优化票据夹仪表盘与数字员工工作看板
- 新增 Hermes 风险线索收集器、Agent 链路追踪中心
- 扩展数字员工能力库（18 个领域 Skill）与交通费用自动预估
- 完善报销申请快速预览、权限控制与前端测试覆盖

server/rules/risk-rules/risk.application.large_expense_without_preapproval.json

@@ -0,0 +1,165 @@
+{
+  "schema_version": "2.0",
+  "rule_code": "risk.application.large_expense_without_preapproval",
+  "name": "大额费用未事前申请",
+  "description": "达到财务制度中大额标准的费用，未找到有效事前申请即进入报销。",
+  "enabled": true,
+  "requires_attachment": false,
+  "risk_dimension": "expense_control_demo",
+  "risk_category": "申请前置",
+  "ontology_signal": "application_required",
+  "evaluator": "template_rule",
+  "template_key": "keyword_match_v1",
+  "finance_rule_code": "finance.preapproval.policy",
+  "finance_rule_sheet": "费用申请前置规则",
+  "business_stage": [
+    "reimbursement"
+  ],
+  "expense_types": [
+    "all"
+  ],
+  "budget_required": true,
+  "applies_to": {
+    "domains": [
+      "expense"
+    ],
+    "expense_types": [
+      "all"
+    ],
+    "business_stages": [
+      "reimbursement"
+    ]
+  },
+  "inputs": {
+    "fields": [
+      {
+        "key": "claim.amount",
+        "label": "报销金额",
+        "type": "number",
+        "source": "claim"
+      },
+      {
+        "key": "claim.expense_type",
+        "label": "费用类型",
+        "type": "enum",
+        "source": "claim"
+      },
+      {
+        "key": "claim.department_name",
+        "label": "部门",
+        "type": "text",
+        "source": "claim"
+      },
+      {
+        "key": "claim.reason",
+        "label": "事由",
+        "type": "text",
+        "source": "claim"
+      },
+      {
+        "key": "item.item_reason",
+        "label": "明细说明",
+        "type": "text",
+        "source": "item"
+      },
+      {
+        "key": "application.id",
+        "label": "申请单",
+        "type": "text",
+        "source": "application"
+      },
+      {
+        "key": "application.status",
+        "label": "申请状态",
+        "type": "enum",
+        "source": "application"
+      },
+      {
+        "key": "application.approved_amount",
+        "label": "申请审批金额",
+        "type": "number",
+        "source": "application"
+      },
+      {
+        "key": "application.expense_type",
+        "label": "申请费用类型",
+        "type": "enum",
+        "source": "application"
+      },
+      {
+        "key": "application.department_name",
+        "label": "申请部门",
+        "type": "text",
+        "source": "application"
+      }
+    ]
+  },
+  "params": {
+    "template_key": "keyword_match_v1",
+    "field_keys": [
+      "claim.amount",
+      "claim.expense_type",
+      "claim.department_name",
+      "claim.reason",
+      "item.item_reason",
+      "application.id",
+      "application.status",
+      "application.approved_amount",
+      "application.expense_type",
+      "application.department_name"
+    ],
+    "search_fields": [
+      "claim.reason",
+      "item.item_reason",
+      "claim.expense_type"
+    ],
+    "keywords": [
+      "大额费用",
+      "未申请",
+      "先申请后报销"
+    ],
+    "condition_summary": "金额达到大额阈值且缺少已通过申请单时触发。",
+    "finance_rule_code": "finance.preapproval.policy",
+    "finance_rule_sheet": "费用申请前置规则",
+    "business_stage": [
+      "reimbursement"
+    ],
+    "expense_types": [
+      "all"
+    ],
+    "budget_required": true
+  },
+  "outcomes": {
+    "pass": {
+      "severity": "none",
+      "action": "continue"
+    },
+    "fail": {
+      "severity": "high",
+      "action": "manual_review",
+      "risk_score": 86
+    }
+  },
+  "metadata": {
+    "owner": "风控与审计部",
+    "stability": "platform",
+    "source_ref": "费用管控 Demo 风险规则库",
+    "created_at": "2026-05-31T00:10:41.805274+00:00",
+    "created_by": "system",
+    "risk_score": 86,
+    "risk_level": "high",
+    "rule_title": "大额费用未事前申请",
+    "finance_rule_code": "finance.preapproval.policy",
+    "finance_rule_sheet": "费用申请前置规则",
+    "business_stage": [
+      "reimbursement"
+    ],
+    "expense_types": [
+      "all"
+    ],
+    "budget_required": true
+  },
+  "severity": "high",
+  "risk_score": 86,
+  "risk_level": "high"
+}