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_risk_rule_explainability.py

@@ -114,6 +114,16 @@ def test_simulation_returns_execution_trace_for_ticket_city_mismatch(tmp_path) -
     assert simulation.ready is True
     assert simulation.hit is True
     assert simulation.normalized_fields["claim.location"] == "北京"
+    assert simulation.ocr_raw_fields[0]["attachment_name"] == "train-ticket.pdf"
+    assert simulation.ocr_raw_fields[0]["label"] == "行程路线"
+    assert any(
+        field["key"] == "attachment.route_cities"
+        for field in simulation.hermes_normalized_fields
+    )
+    assert any(
+        field["key"] == "attachment.route_cities" and field["required"] is True
+        for field in simulation.executor_input_fields
+    )
     assert simulation.trace["matched"] is True
     assert "hit" in simulation.trace["path_node_ids"]
     assert simulation.trace["steps"]