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/scripts/build_expense_control_demo_risk_rules.py

@@ -12,19 +12,16 @@ SERVER_DIR = Path(__file__).resolve().parents[1]
 RISK_RULE_DIR = SERVER_DIR / "rules" / "risk-rules"
 
 
-BUDGET_EXPENSE_TYPES = (
+BUDGET_EXPENSE_TYPES = ("all",)
+SUPPORTED_DEMO_EXPENSE_TYPES = {
+    "all",
     "travel",
     "hotel",
     "transport",
     "meal",
-    "meeting",
-    "marketing",
     "office",
-    "training",
-    "software",
     "communication",
-    "welfare",
-)
+}
 
 
 FIELD_LABELS = {
@@ -456,7 +453,7 @@ RULES: tuple[DemoRiskRule, ...] = (
         "rule.expense.company_travel_expense_reimbursement",
         "差旅住宿费标准",
         ("reimbursement",),
-        ("travel", "hotel", "transport"),
+        ("travel",),
         "差旅金额达到大额阈值且缺少有效出差申请时触发。",
         ("差旅申请", "大额差旅", "未申请"),
         "high",
@@ -688,6 +685,54 @@ RULES: tuple[DemoRiskRule, ...] = (
 )
 
 
+COMMUNICATION_RULES: tuple[DemoRiskRule, ...] = (
+    DemoRiskRule(
+        "risk.standard.communication_amount_over_policy",
+        "通信费金额超过月度标准",
+        "通信费、话费、流量费或宽带费超过公司月度标准，且缺少岗位必要性或专项审批说明。",
+        "费用标准",
+        "expense_standard_over_limit",
+        "expense.communication.policy",
+        "通信费报销规则",
+        ("expense_application", "reimbursement"),
+        ("communication",),
+        "通信费金额超过公司标准且没有岗位、项目或专项审批说明时触发。",
+        ("通信费", "话费", "流量费", "宽带费", "超标准"),
+        "medium",
+        "manual_review",
+        68,
+        "medium",
+        field_keys=BASE_FIELDS + ("material.invoice_uploaded",),
+    ),
+    DemoRiskRule(
+        "risk.standard.communication_account_mismatch",
+        "通信账户归属与报销人不一致",
+        "通信票据、运营商账单或号码归属信息与报销人不一致，且缺少代垫或统一缴费说明。",
+        "费用归属",
+        "expense_owner_mismatch",
+        "expense.communication.policy",
+        "通信费报销规则",
+        ("reimbursement",),
+        ("communication",),
+        "通信账户归属与报销人不一致且没有代垫、统一缴费或部门公共号码说明时触发。",
+        ("号码归属", "账户不一致", "代垫", "统一缴费", "公共号码"),
+        "high",
+        "manual_review",
+        82,
+        "high",
+        requires_attachment=True,
+        field_keys=MATERIAL_FIELDS,
+    ),
+)
+
+
+def _is_supported_demo_rule(rule: DemoRiskRule) -> bool:
+    return all(expense_type in SUPPORTED_DEMO_EXPENSE_TYPES for expense_type in rule.expense_types)
+
+
+RULES = tuple(rule for rule in RULES if _is_supported_demo_rule(rule)) + COMMUNICATION_RULES
+
+
 def main() -> None:
     RISK_RULE_DIR.mkdir(parents=True, exist_ok=True)
     for rule in RULES: