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

web/src/utils/riskFlags.js

@@ -6,12 +6,28 @@ const NON_RISK_SOURCES = new Set([
   'approval_log',
   'expense_claim_approval',
   'expense_claim_finance_approval',
-  'payment'
+  'application_detail',
+  'application_handoff',
+  'application_link',
+  'application_submission',
+  'approval_routing',
+  'budget_approval',
+  'payment',
+  'sla_reminder',
+  'reminder',
+  'urge'
 ])
 const NON_RISK_EVENTS = new Set([
   'expense_claim_approval',
   'expense_claim_finance_approval',
-  'expense_claim_payment_completed'
+  'expense_claim_payment_completed',
+  'expense_application_submission',
+  'expense_application_to_reimbursement_draft',
+  'expense_reimbursement_application_linked',
+  'expense_application_budget_approval',
+  'sla_reminder',
+  'reminder',
+  'urge'
 ])
 const NON_RISK_TONES = new Set(['info', 'pass', 'success', 'approved', 'ok', 'none'])
 const RISK_SOURCES = new Set([
@@ -85,9 +101,13 @@ export function isActionableRiskFlag(flag) {
 
   const source = normalizeKey(flag.source)
   const eventType = normalizeKey(flag.event_type || flag.eventType)
+  const actionability = normalizeKey(flag.actionability)
   if (NON_RISK_SOURCES.has(source) || NON_RISK_EVENTS.has(eventType)) {
     return false
   }
+  if (actionability === 'system_trace') {
+    return false
+  }
 
   const tone = normalizeRiskFlagTone(flag)
   if (tone === 'high' || tone === 'medium' || tone === 'low') {