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/risk_observations.py

@@ -15,6 +15,7 @@ from app.schemas.risk_observation import (
     RiskObservationDashboardRead,
     RiskObservationFeedbackCreate,
 )
+from app.services.expense_claim_risk_stage import normalize_risk_business_stage
 
 HIGH_LEVELS = {"high", "critical"}
 SEVERITY_SCORE = {
@@ -122,6 +123,7 @@ class RiskObservationService:
             severity = _normalize_level(flag.get("severity"))
             score = SEVERITY_SCORE.get(severity, SEVERITY_SCORE["medium"])
             rule_code = _text(flag.get("rule_code"))
+            business_stage = normalize_risk_business_stage(flag.get("business_stage"))
             observation_key = (
                 f"risk:{claim.id}:platform:{rule_code or signal}"
             )
@@ -141,7 +143,7 @@ class RiskObservationService:
                         "risk_score": score,
                         "risk_level": severity,
                         "confidence_score": "0.78",
-                        "control_stage": "reimbursement",
+                        "control_stage": business_stage,
                         "control_mode": "risk_observation",
                         "automation_mode": (
                             "semi_auto_review"
@@ -333,6 +335,14 @@ class RiskObservationService:
         confirmed = sum(1 for item in observations if item.feedback_status == "confirmed")
         false_positive = sum(1 for item in observations if item.feedback_status == "false_positive")
         pending = sum(1 for item in observations if item.status == "pending_review")
+        feedback_samples = int(
+            self.db.scalar(
+                select(func.count())
+                .select_from(RiskObservationFeedback)
+                .where(RiskObservationFeedback.created_at >= since)
+            )
+            or 0
+        )
         high_or_above = sum(1 for item in observations if item.risk_level in HIGH_LEVELS)
         score_sum = sum(int(item.risk_score or 0) for item in observations)
         reviewed = confirmed + false_positive
@@ -343,9 +353,11 @@ class RiskObservationService:
             window_days=window_days,
             total_observations=total,
             pending_count=pending,
+            risk_clue_count=pending,
             high_or_above_count=high_or_above,
             confirmed_count=confirmed,
             false_positive_count=false_positive,
+            feedback_sample_count=feedback_samples,
             total_amount=float(total_amount),
             average_score=round(score_sum / total, 2) if total else 0.0,
             level_distribution=_count_by(observations, "risk_level"),