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/src/app/models/agent_run.py

@@ -4,7 +4,7 @@ import uuid
 from datetime import datetime
 from typing import Any
 
-from sqlalchemy import DateTime, Float, ForeignKey, Integer, String, Text, func
+from sqlalchemy import DateTime, Float, ForeignKey, Index, Integer, String, Text, func
 from sqlalchemy.orm import Mapped, mapped_column, relationship
 from sqlalchemy.types import JSON
 
@@ -84,3 +84,28 @@ class SemanticParseLog(Base):
     created_at: Mapped[datetime] = mapped_column(DateTime(timezone=True), server_default=func.now())
 
     run = relationship("AgentRun", back_populates="semantic_parse_logs")
+
+
+class AgentTraceEvent(Base):
+    __tablename__ = "agent_trace_events"
+    __table_args__ = (
+        Index("ix_agent_trace_events_run_sequence", "run_id", "sequence"),
+        Index("ix_agent_trace_events_conversation_sequence", "conversation_id", "sequence"),
+    )
+
+    id: Mapped[str] = mapped_column(String(36), primary_key=True, default=lambda: str(uuid.uuid4()))
+    run_id: Mapped[str] = mapped_column(ForeignKey("agent_runs.run_id"), index=True)
+    conversation_id: Mapped[str | None] = mapped_column(String(50), nullable=True, index=True)
+    sequence: Mapped[int] = mapped_column(Integer, default=0, index=True)
+    stage: Mapped[str] = mapped_column(String(50), index=True)
+    event_name: Mapped[str] = mapped_column(String(100), index=True)
+    title: Mapped[str] = mapped_column(String(160))
+    summary: Mapped[str | None] = mapped_column(Text(), nullable=True)
+    status: Mapped[str] = mapped_column(String(20), index=True)
+    input_json: Mapped[dict[str, Any]] = mapped_column(JSON, default=dict)
+    output_json: Mapped[dict[str, Any]] = mapped_column(JSON, default=dict)
+    error_message: Mapped[str | None] = mapped_column(Text(), nullable=True)
+    started_at: Mapped[datetime] = mapped_column(DateTime(timezone=True), index=True)
+    finished_at: Mapped[datetime | None] = mapped_column(DateTime(timezone=True), nullable=True)
+    duration_ms: Mapped[int] = mapped_column(Integer, default=0)
+    created_at: Mapped[datetime] = mapped_column(DateTime(timezone=True), server_default=func.now())