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_risk_review.py

@@ -15,6 +15,7 @@ from app.services.expense_claim_constants import (
 from app.services.expense_claim_item_sync import ExpenseClaimItemSyncMixin
 from app.services.expense_claim_platform_risk import ExpenseClaimPlatformRiskMixin
 from app.services.expense_claim_policy_review import ExpenseClaimPolicyReviewMixin
+from app.services.expense_claim_risk_stage import with_risk_business_stage
 from app.services.risk_observations import RiskObservationService
 
 logger = get_logger("app.services.expense_claim_risk_review")
@@ -159,6 +160,8 @@ class ExpenseClaimRiskReviewMixin(
                 },
             )
 
+        review_flags = [with_risk_business_stage(flag, "reimbursement") for flag in review_flags]
+
         return {
             "status": "submitted",
             "approval_stage": "直属领导审批",