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_rule_generation.py

@@ -13,6 +13,7 @@ from app.schemas.agent_asset import AgentAssetRiskRuleGenerateRequest
 from app.services.agent_asset_rule_library import AgentAssetRuleLibraryManager
 from app.services.agent_asset_spreadsheet import RISK_RULES_LIBRARY
 from app.services.audit import AuditLogService
+from app.services.expense_claim_risk_stage import infer_risk_domain
 from app.services.risk_rule_explainability import build_risk_rule_explainability_artifacts
 from app.services.risk_rule_generation_ontology import (
     BUSINESS_DOMAIN_LABELS,
@@ -423,6 +424,28 @@ class RiskRuleGenerationService:
         risk_level_label = str(
             risk_score_payload.get("level_label") or RISK_LEVEL_LABELS.get(risk_level, "风险")
         )
+        semantic_risk_domain = infer_risk_domain(
+            {
+                "rule_code": rule_code,
+                "risk_category": risk_category,
+                "name": rule_title or draft.get("name"),
+                "description": self._clean_text(draft.get("description")) or natural_language,
+            }
+        )
+        semantic_visibility_scope = (
+            "budget_manager"
+            if semantic_risk_domain == "budget"
+            else "leader"
+            if business_stage == "expense_application"
+            else "submitter"
+        )
+        semantic_actionability = (
+            "budget_governance"
+            if semantic_risk_domain == "budget"
+            else "review_decision"
+            if business_stage == "expense_application"
+            else "fixable_by_submitter"
+        )
         keywords = list(draft.get("keywords") or [])
         field_by_key = {item.key: item for item in fields}
         params: dict[str, Any] = {
@@ -432,6 +455,9 @@ class RiskRuleGenerationService:
             "natural_language": natural_language,
             "business_stage": business_stage,
             "business_stage_label": business_stage_label,
+            "risk_domain": semantic_risk_domain,
+            "visibility_scope": semantic_visibility_scope,
+            "actionability": semantic_actionability,
         }
         semantic_type = str(draft.get("semantic_type") or "").strip()
         if semantic_type:
@@ -508,6 +534,9 @@ class RiskRuleGenerationService:
                 "risk_score": risk_score_value,
                 "risk_level": risk_level,
                 "risk_level_label": risk_level_label,
+                "risk_domain": semantic_risk_domain,
+                "visibility_scope": semantic_visibility_scope,
+                "actionability": semantic_actionability,
                 "risk_score_model": risk_score_payload.get("model"),
                 "risk_score_detail": risk_score_payload,
                 "rule_title": rule_title,
@@ -519,7 +548,11 @@ class RiskRuleGenerationService:
                 "business_explanation": self._clean_text(draft.get("description")),
                 "condition_summary": condition_summary,
                 "rule_ir": draft.get("rule_ir") if isinstance(draft.get("rule_ir"), dict) else {},
-                "model_semantic_plan": draft.get("model_semantic_plan") if isinstance(draft.get("model_semantic_plan"), dict) else {},
+                "model_semantic_plan": (
+                    draft.get("model_semantic_plan")
+                    if isinstance(draft.get("model_semantic_plan"), dict)
+                    else {}
+                ),
                 "flow": draft.get("flow") if isinstance(draft.get("flow"), dict) else {},
             },
         }