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/tests/test_agent_asset_service.py

@@ -212,18 +212,16 @@ def test_demo_budget_risk_rules_sync_with_finance_rule_references() -> None:
                 AgentAsset.code == "risk.budget.available_balance_insufficient"
             )
         )
-        marketing_rule = db.scalar(
+        communication_rule = db.scalar(
             select(AgentAsset).where(
-                AgentAsset.code == "risk.application.marketing_without_campaign"
+                AgentAsset.code == "risk.standard.communication_amount_over_policy"
             )
         )
 
         assert budget_rule is not None
-        assert "差旅费" in budget_rule.scenario_json
-        assert "市场推广费" in budget_rule.scenario_json
-        assert "软件服务费" in budget_rule.scenario_json
+        assert budget_rule.scenario_json == ["全部"]
         assert budget_rule.config_json["budget_required"] is True
-        assert "marketing" in budget_rule.config_json["expense_types"]
+        assert budget_rule.config_json["expense_types"] == ["all"]
         assert budget_rule.config_json["business_stage"] == [
             "expense_application",
             "reimbursement",
@@ -231,12 +229,12 @@ def test_demo_budget_risk_rules_sync_with_finance_rule_references() -> None:
         ]
         assert budget_rule.config_json["finance_rule_code"] == "budget.execution.policy"
 
-        assert marketing_rule is not None
-        assert marketing_rule.scenario_json == ["市场推广费"]
-        assert marketing_rule.config_json["finance_rule_code"] == "expense.application.policy"
-        assert marketing_rule.config_json["finance_rule_sheet"] == "费用申请前置规则"
-        assert marketing_rule.config_json["expense_types"] == ["marketing"]
-        assert marketing_rule.config_json["budget_required"] is True
+        assert communication_rule is not None
+        assert communication_rule.scenario_json == ["通信费"]
+        assert communication_rule.config_json["finance_rule_code"] == "expense.communication.policy"
+        assert communication_rule.config_json["finance_rule_sheet"] == "通信费报销规则"
+        assert communication_rule.config_json["expense_types"] == ["communication"]
+        assert communication_rule.config_json["budget_required"] is True
 
 
 def test_agent_asset_service_can_activate_rule_after_review() -> None: