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/scripts/budgetAssistantReportModel.js

@@ -105,6 +105,10 @@ function parseYear(rawText) {
   return match ? Number(match[1]) : 2026
 }
 
+function hasExplicitYear(rawText) {
+  return /(20\d{2})/.test(String(rawText || ''))
+}
+
 function resolvePreviousPeriod(year, quarter) {
   if (quarter > 1) {
     return { year, quarter: quarter - 1 }
@@ -117,35 +121,52 @@ export function shouldUseBudgetCompileReport(rawText, options = {}) {
     return false
   }
   const text = normalizeBudgetText(rawText)
+  const hasTargetPeriod = parseQuarter(rawText) || hasExplicitYear(rawText)
   return Boolean(
     text &&
       /(预算|budget)/.test(text) &&
       /(编制|制定|测算|生成|规划|预算一下|compile|create|plan)/.test(text) &&
-      parseQuarter(rawText)
+      hasTargetPeriod
   )
 }
 
 export function buildBudgetCompileReport(rawText, user = {}) {
   const targetYear = parseYear(rawText)
-  const targetQuarter = parseQuarter(rawText) || 3
-  const previous = resolvePreviousPeriod(targetYear, targetQuarter)
-  const totalSpend = PREVIOUS_QUARTER_SPEND.reduce((sum, item) => sum + item.value, 0)
-  const totalBudget = 1320000
-  const recommendedTotal = PREVIOUS_QUARTER_SPEND.reduce((sum, item) => sum + item.recommendedBudget, 0)
+  const parsedQuarter = parseQuarter(rawText)
+  const isAnnualBudget = !parsedQuarter
+  const targetQuarter = parsedQuarter || 1
+  const previous = isAnnualBudget
+    ? { year: targetYear - 1, quarter: 0 }
+    : resolvePreviousPeriod(targetYear, targetQuarter)
+  const periodMultiplier = isAnnualBudget ? 4 : 1
+  const totalSpend = PREVIOUS_QUARTER_SPEND.reduce((sum, item) => sum + item.value * periodMultiplier, 0)
+  const totalBudget = 1320000 * periodMultiplier
+  const recommendedTotal = PREVIOUS_QUARTER_SPEND.reduce((sum, item) => sum + item.recommendedBudget * periodMultiplier, 0)
   const departmentName = String(user.departmentName || user.department || '').trim() || '当前部门'
 
   const items = PREVIOUS_QUARTER_SPEND.map((item) => {
+    const value = item.value * periodMultiplier
+    const previousValue = item.previousValue * periodMultiplier
+    const recommendedBudget = item.recommendedBudget * periodMultiplier
     const trendValue = item.previousValue
-      ? ((item.value - item.previousValue) / item.previousValue) * 100
+      ? ((value - previousValue) / previousValue) * 100
       : 0
     return {
       ...item,
-      amountDisplay: compactCurrency(item.value),
-      display: percent(item.value, totalSpend),
-      share: percent(item.value, totalSpend),
+      value,
+      previousValue,
+      recommendedBudget,
+      amountDisplay: compactCurrency(value),
+      display: percent(value, totalSpend),
+      share: percent(value, totalSpend),
       trend: `${trendValue >= 0 ? '+' : ''}${trendValue.toFixed(1)}%`,
       trendTone: trendValue >= 10 ? 'risk' : trendValue >= 0 ? 'warn' : 'stable',
-      recommendedDisplay: compactCurrency(item.recommendedBudget)
+      recommendedDisplay: compactCurrency(recommendedBudget),
+      editableBudget: recommendedBudget,
+      reminderThreshold: item.key === 'communication' || item.key === 'office' ? 60 : 70,
+      alertThreshold: item.key === 'communication' || item.key === 'office' ? 70 : 80,
+      riskThreshold: item.key === 'communication' || item.key === 'office' ? 80 : 90,
+      editNote: item.suggestion
     }
   })
 
@@ -158,13 +179,18 @@ export function buildBudgetCompileReport(rawText, user = {}) {
 
   return {
     type: 'budget_compile_analysis',
-    title: `${targetYear}年${targetQuarter}季度预算编制前置分析报告`,
-    subtitle: `基于${previous.year}年${previous.quarter}季度预算执行模拟数据`,
+    title: isAnnualBudget
+      ? `${targetYear}年度预算编制前置分析报告`
+      : `${targetYear}年${targetQuarter}季度预算编制前置分析报告`,
+    subtitle: isAnnualBudget
+      ? `基于${previous.year}年度预算执行模拟数据`
+      : `基于${previous.year}年${previous.quarter}季度预算执行模拟数据`,
     departmentName,
-    targetPeriod: `${targetYear}年${QUARTER_NAME_MAP[targetQuarter]}`,
-    basePeriod: `${previous.year}年${QUARTER_NAME_MAP[previous.quarter]}`,
+    targetPeriod: isAnnualBudget ? `${targetYear}年度` : `${targetYear}年${QUARTER_NAME_MAP[targetQuarter]}`,
+    basePeriod: isAnnualBudget ? `${previous.year}年度` : `${previous.year}年${QUARTER_NAME_MAP[previous.quarter]}`,
+    periodType: isAnnualBudget ? '年度预算' : '季度预算',
     centerValue: compactCurrency(totalSpend),
-    centerLabel: '上季度开销',
+    centerLabel: isAnnualBudget ? '去年开销' : '上季度开销',
     summary: {
       totalBudget: compactCurrency(totalBudget),
       totalSpend: compactCurrency(totalSpend),
@@ -172,13 +198,25 @@ export function buildBudgetCompileReport(rawText, user = {}) {
       recommendedTotal: compactCurrency(recommendedTotal)
     },
     macroInsights: [
-      `${previous.year}年${previous.quarter}季度实际开销 ${compactCurrency(totalSpend)}，预算使用率 ${percent(totalSpend, totalBudget)}，整体仍在可控区间。`,
-      `${topItem.name}是最大开销项，占 ${topItem.share}，建议作为${targetYear}年${targetQuarter}季度预算编制的第一优先级。`,
+      `${isAnnualBudget ? `${previous.year}年度` : `${previous.year}年${previous.quarter}季度`}实际开销 ${compactCurrency(totalSpend)}，预算使用率 ${percent(totalSpend, totalBudget)}，整体仍在可控区间。`,
+      `${topItem.name}是最大开销项，占 ${topItem.share}，建议作为${isAnnualBudget ? `${targetYear}年度` : `${targetYear}年${targetQuarter}季度`}预算编制的第一优先级。`,
       `${growthItem.name}环比增长 ${growthItem.trend}，需要在预算说明中提前解释业务驱动，避免后续报销阶段反复补充材料。`
     ],
     items,
+    editableDraft: {
+      status: 'editing',
+      rows: items.map((item) => ({
+        key: item.key,
+        name: item.name,
+        budgetAmount: item.editableBudget,
+        reminderThreshold: item.reminderThreshold,
+        alertThreshold: item.alertThreshold,
+        riskThreshold: item.riskThreshold,
+        note: item.editNote
+      }))
+    },
     recommendations: [
-      `建议${targetYear}年${targetQuarter}季度总预算先按 ${compactCurrency(recommendedTotal)} 编制，再预留 5%-8% 部门机动池。`,
+      `建议${isAnnualBudget ? `${targetYear}年度` : `${targetYear}年${targetQuarter}季度`}总预算先按 ${compactCurrency(recommendedTotal)} 编制，再预留 5%-8% 部门机动池。`,
       '差旅和招待费采用更早的提醒阈值，通信和办公用品保持稳定额度，避免把预算过度分散到低波动项目。',
       '正式编制时建议把重点项目、客户活动和集中采购计划写入预算说明，后续费用控制会更容易解释。'
     ],