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_generation.py

@@ -230,6 +230,41 @@ def test_generate_expense_application_risk_rule_marks_business_stage(tmp_path) -
         assert payload["params"]["business_stage_label"] == "费用申请"
 
 
+def test_generate_risk_rule_asset_supports_all_expense_category(tmp_path) -> None:
+    with build_session() as db:
+        manager = AgentAssetRuleLibraryManager(rule_root=tmp_path / "rules")
+        service = RiskRuleGenerationService(
+            db,
+            rule_library_manager=manager,
+            runtime_chat_service=NullRuntimeChatService(),
+        )
+
+        asset_id = service.generate_rule_asset(
+            AgentAssetRiskRuleGenerateRequest(
+                business_domain=AgentAssetDomain.EXPENSE,
+                business_stage="expense_application",
+                expense_category="all",
+                rule_title="预算可用余额不足",
+                natural_language="费用申请时，如果申请金额超过预算可用余额，则提示预算风险并要求补充说明。",
+            ),
+            actor="pytest",
+        )
+
+        asset = db.get(AgentAsset, asset_id)
+        assert asset is not None
+        assert asset.config_json["expense_category"] == "all"
+        assert asset.config_json["expense_category_label"] == "全部"
+        assert asset.scenario_json == ["全部"]
+
+        payload = manager.read_rule_library_json(
+            library=RISK_RULES_LIBRARY,
+            file_name=asset.config_json["rule_document"]["file_name"],
+        )
+        assert payload["applies_to"]["expense_categories"] == ["all"]
+        assert payload["metadata"]["expense_category"] == "all"
+        assert payload["metadata"]["expense_category_label"] == "全部"
+
+
 def test_risk_score_model_keeps_explicit_low_control_rules_low() -> None:
     field_keys = ["attachment.invoice_no", "attachment.goods_name", "claim.reason"]
     result = calculate_risk_rule_score(
@@ -476,6 +511,44 @@ def test_platform_risk_applies_to_chinese_expense_type_labels() -> None:
     )
 
 
+def test_platform_risk_all_expense_scope_matches_any_budget_category() -> None:
+    class PlatformRiskProbe(ExpenseClaimPlatformRiskMixin):
+        pass
+
+    claim = ExpenseClaim(
+        claim_no="TEST-COMMUNICATION-RISK",
+        employee_name="测试员工",
+        department_name="市场部",
+        expense_type="通信费",
+        reason="客户支持电话费",
+        amount=Decimal("300.00"),
+        currency="CNY",
+        invoice_count=1,
+        occurred_at=datetime.now(UTC),
+        status="draft",
+    )
+    manifest = {
+        "applies_to": {
+            "domains": ["expense"],
+            "expense_types": ["all"],
+        }
+    }
+
+    assert PlatformRiskProbe()._risk_manifest_applies_to_claim(
+        manifest,
+        claim=claim,
+        contexts=[],
+    )
+
+    manifest["applies_to"] = {"domains": ["expense"], "expense_categories": ["全部"]}
+
+    assert PlatformRiskProbe()._risk_manifest_applies_to_claim(
+        manifest,
+        claim=claim,
+        contexts=[],
+    )
+
+
 def test_risk_rule_flow_diagram_uses_risk_level_palette() -> None:
     renderer = RiskRuleFlowDiagramRenderer()