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_failure.py

@@ -0,0 +1,54 @@
+from __future__ import annotations
+
+from sqlalchemy import create_engine
+from sqlalchemy.orm import Session, sessionmaker
+from sqlalchemy.pool import StaticPool
+
+from app.core.agent_enums import AgentAssetDomain, AgentAssetStatus
+from app.db.base import Base
+from app.models.agent_asset import AgentAsset
+from app.schemas.agent_asset import AgentAssetRiskRuleGenerateRequest
+from app.services.agent_asset_rule_library import AgentAssetRuleLibraryManager
+from app.services.risk_rule_generation_jobs import RiskRuleGenerationJobService
+
+
+class FailingRuntimeChatService:
+    def complete(self, *args, **kwargs) -> str:
+        raise RuntimeError("Hermes semantic plan failed")
+
+
+def build_session() -> Session:
+    engine = create_engine(
+        "sqlite+pysqlite:///:memory:",
+        connect_args={"check_same_thread": False},
+        poolclass=StaticPool,
+    )
+    Base.metadata.create_all(bind=engine)
+    return sessionmaker(bind=engine, autoflush=False, autocommit=False)()
+
+
+def test_background_generation_failure_keeps_error_detail_and_last_operation(tmp_path) -> None:
+    with build_session() as db:
+        manager = AgentAssetRuleLibraryManager(rule_root=tmp_path / "rules")
+        service = RiskRuleGenerationJobService(
+            db,
+            rule_library_manager=manager,
+            runtime_chat_service=FailingRuntimeChatService(),
+        )
+        body = AgentAssetRiskRuleGenerateRequest(
+            business_domain=AgentAssetDomain.EXPENSE,
+            expense_category="travel",
+            rule_title="差旅异常规则",
+            natural_language="差旅报销票据城市与申报目的地不一致时提示风险。",
+        )
+        asset_id = service.enqueue_rule_asset_generation(body, actor="pytest")
+
+        service.complete_rule_asset_generation(asset_id, body, actor="pytest")
+
+        asset = db.get(AgentAsset, asset_id)
+        assert asset is not None
+        assert asset.status == AgentAssetStatus.FAILED.value
+        assert asset.config_json["generation_status"] == AgentAssetStatus.FAILED.value
+        assert asset.config_json["generation_error"] == "Hermes semantic plan failed"
+        assert asset.config_json["last_operation"]["action"] == "generation_failed"
+        assert asset.config_json["last_operation"]["actor"] == "pytest"