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/views/TravelRequestDetailView.vue

@@ -53,7 +53,7 @@
         <article class="progress-card panel">
           <div class="progress-block">
             <div class="progress-head">
-              <h3>{{ isApplicationDocument ? '申请进度' : isTravelRequest ? '差旅进度' : '报销进度' }}</h3>
+              <h3>{{ isApplicationDocument ? '申请进度' : '报销进度' }}</h3>
             </div>
             <div class="progress-line" :style="{ '--progress-columns': progressSteps.length }">
               <div
@@ -435,22 +435,16 @@
                       :key="card.id"
                       :class="['risk-advice-card', card.tone]"
                     >
-                      <div class="risk-advice-card-head">
-                        <span>{{ card.label }}</span>
-                        <strong>{{ card.title }}</strong>
+                      <div class="risk-advice-card-main">
+                        <div class="risk-advice-card-head">
+                          <span>{{ card.label }}</span>
+                          <strong>{{ card.title }}</strong>
+                        </div>
+                        <p class="risk-advice-point">{{ card.risk }}</p>
                       </div>
-                      <p class="risk-advice-point">{{ card.risk }}</p>
-                      <div class="risk-advice-meta">
-                        <div>
-                          <span>规则依据</span>
-                          <ul>
-                            <li v-for="basis in card.ruleBasis" :key="basis">{{ basis }}</li>
-                          </ul>
-                        </div>
-                        <div>
-                          <span>修改建议</span>
-                          <p>{{ card.suggestion }}</p>
-                        </div>
+                      <div class="risk-advice-compact-meta">
+                        <span v-if="card.ruleBasis?.length">{{ card.ruleBasis[0] }}</span>
+                        <em>{{ card.suggestion }}</em>
                       </div>
                     </article>
                   </div>
@@ -461,11 +455,12 @@
               v-if="request.claimId"
               :claim-id="request.claimId"
             />
-            <EmployeeProfileRiskCard
-              v-if="showEmployeeRiskProfile"
-              :profile="employeeRiskProfile"
-              :loading="employeeRiskProfileLoading"
-              :error="employeeRiskProfileError"
+            <StageRiskAdviceCard
+              v-if="showStageRiskAdvice"
+              :request="request"
+              :expense-items="expenseItems"
+              :ai-advice="aiAdvice"
+              :is-application-document="isApplicationDocument"
             />
           </section>
         </div>
@@ -481,8 +476,8 @@
             {{ deleteBusy ? '删除中' : deleteActionLabel }}
           </button>
           <button class="approve-action" type="button" :disabled="!canSubmit" @click="handleSubmit">
-            <i class="mdi mdi-send-circle-outline"></i>
-            {{ submitBusy ? '提交中' : '提交审批' }}
+            <i :class="submitActionIcon"></i>
+            {{ submitActionLabel }}
           </button>
         </div>
         <div v-else-if="canReturnRequest || canApproveRequest || canPayRequest || canDeleteRequest" class="approval-action-group" aria-label="单据管理操作">
@@ -658,9 +653,9 @@
       badge="提交确认"
       badge-tone="warning"
       :title="`确认提交 ${request.id} 吗？`"
-      :description="isApplicationDocument ? '请确认申请事由、预计金额和申请信息均已核对无误。确认后将提交至直属领导审批。' : '请确认报销事由、金额、费用明细和附件材料均已核对无误。确认后系统将发起 AI 预审并进入审批流程。'"
+      :description="submitConfirmDescription"
       cancel-text="返回核对"
-      confirm-text="确认提交"
+      :confirm-text="submitConfirmText"
       busy-text="提交中..."
       confirm-tone="primary"
       confirm-icon="mdi mdi-send-circle-outline"
@@ -692,7 +687,7 @@
       badge="重大风险"
       badge-tone="danger"
       :title="`当前存在 ${submitRiskWarnings.length} 条重大风险`"
-      description="如仍需提交审批，请逐条填写违规或超标原因，系统会写入附加说明并用于后续风险统计。"
+      description="如仍需进入下一步，请逐条填写每一个重大风险的原因，系统会写入附加说明并用于后续风险统计。"
       cancel-text="返回整改"
       confirm-text="保存原因并继续"
       busy-text="保存中..."