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/expense_claim_policy_review.py

@@ -27,6 +27,7 @@ from app.services.expense_claim_constants import (
     TRAVEL_ALLOWANCE_TRIGGER_ITEM_TYPES,
     TRAVEL_POLICY_HOTEL_NIGHT_PATTERN,
 )
+from app.services.expense_claim_risk_stage import with_risk_business_stage
 from app.services.expense_rule_runtime import (
     ExpenseRuleRuntimeService,
     RuntimeTravelPolicy,
@@ -135,7 +136,7 @@ class ExpenseClaimPolicyReviewMixin:
             )
 
         return {
-            "flags": flags,
+            "flags": [with_risk_business_stage(flag, "reimbursement") for flag in flags],
             "blocking_reasons": list(dict.fromkeys(reason for reason in blocking_reasons if reason)),
         }
 
@@ -393,7 +394,7 @@ class ExpenseClaimPolicyReviewMixin:
                     blocking_reasons.append("交通舱位或席别超出当前职级差标，且未补充例外说明。")
 
         return {
-            "flags": flags,
+            "flags": [with_risk_business_stage(flag, "reimbursement") for flag in flags],
             "blocking_reasons": list(dict.fromkeys(reason for reason in blocking_reasons if reason)),
         }