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.budget.available_balance_insufficient.json

@@ -18,17 +18,7 @@
     "budget_execution"
   ],
   "expense_types": [
-    "travel",
-    "hotel",
-    "transport",
-    "meal",
-    "meeting",
-    "marketing",
-    "office",
-    "training",
-    "software",
-    "communication",
-    "welfare"
+    "all"
   ],
   "budget_required": true,
   "applies_to": {
@@ -36,17 +26,7 @@
       "expense"
     ],
     "expense_types": [
-      "travel",
-      "hotel",
-      "transport",
-      "meal",
-      "meeting",
-      "marketing",
-      "office",
-      "training",
-      "software",
-      "communication",
-      "welfare"
+      "all"
     ],
     "business_stages": [
       "expense_application",
@@ -68,17 +48,65 @@
         "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": "budget.line_id",
+        "label": "预算行",
+        "type": "text",
+        "source": "budget"
+      },
       {
         "key": "budget.available_amount",
         "label": "预算可用金额",
         "type": "number",
         "source": "budget"
       },
+      {
+        "key": "budget.used_rate",
+        "label": "预算使用率",
+        "type": "number",
+        "source": "budget"
+      },
       {
         "key": "budget.status",
         "label": "预算状态",
         "type": "enum",
         "source": "budget"
+      },
+      {
+        "key": "budget.department_name",
+        "label": "预算部门",
+        "type": "text",
+        "source": "budget"
+      },
+      {
+        "key": "budget.quarter",
+        "label": "预算季度",
+        "type": "text",
+        "source": "budget"
+      },
+      {
+        "key": "budget.project_code",
+        "label": "预算项目",
+        "type": "text",
+        "source": "budget"
       }
     ]
   },
@@ -117,17 +145,7 @@
       "budget_execution"
     ],
     "expense_types": [
-      "travel",
-      "hotel",
-      "transport",
-      "meal",
-      "meeting",
-      "marketing",
-      "office",
-      "training",
-      "software",
-      "communication",
-      "welfare"
+      "all"
     ],
     "budget_required": true
   },
@@ -146,7 +164,7 @@
     "owner": "风控与审计部",
     "stability": "platform",
     "source_ref": "费用管控 Demo 风险规则库",
-    "created_at": "2026-05-30T00:00:00Z",
+    "created_at": "2026-05-31T00:10:41.751292+00:00",
     "created_by": "system",
     "risk_score": 88,
     "risk_level": "high",
@@ -159,17 +177,7 @@
       "budget_execution"
     ],
     "expense_types": [
-      "travel",
-      "hotel",
-      "transport",
-      "meal",
-      "meeting",
-      "marketing",
-      "office",
-      "training",
-      "software",
-      "communication",
-      "welfare"
+      "all"
     ],
     "budget_required": true
   },