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/services/agent_foundation_asset_topup.py

@@ -614,6 +614,15 @@ class AgentFoundationAssetTopUpMixin:
             "folder": "财务制度",
             "changed_only": True,
             "output_format": "knowledge_organizing_report",
+            "allowed_outputs": [
+                "facts",
+                "policy_refs",
+                "evidence_refs",
+                "knowledge_items",
+                "human_review_required",
+            ],
+            "role_boundary": "规则由人定义，风险由人确认，数字员工只整理人提供的制度和报销事实。",
+            "writes_rules": False,
         }
 
         if DIGITAL_EMPLOYEE_FINANCE_POLICY_TASK_CODE not in existing_codes:
@@ -669,6 +678,15 @@ class AgentFoundationAssetTopUpMixin:
                 "folder": existing_config.get("folder") or "财务制度",
                 "changed_only": existing_config.get("changed_only", True),
                 "output_format": "knowledge_organizing_report",
+                "allowed_outputs": [
+                    "facts",
+                    "policy_refs",
+                    "evidence_refs",
+                    "knowledge_items",
+                    "human_review_required",
+                ],
+                "role_boundary": "规则由人定义，风险由人确认，数字员工只整理人提供的制度和报销事实。",
+                "writes_rules": False,
                 **schedule_config,
             }
             self.db.add(asset)