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/useTravelReimbursementGuidedFlow.js

@@ -101,6 +101,7 @@ export function useTravelReimbursementGuidedFlow({
   lockSuggestedActionMessage,
   submitExistingComposer,
   currentUser,
+  refreshCurrentUserFromBackend,
   toast
 }) {
   const guidedPendingFiles = ref([])
@@ -151,9 +152,19 @@ export function useTravelReimbursementGuidedFlow({
     persistAndScroll()
   }
 
-  function startGuidedApplicationTemplate() {
+  async function resolveApplicationPreviewUser() {
+    const user = currentUser?.value || {}
+    if (String(user.position || '').trim() || typeof refreshCurrentUserFromBackend !== 'function') {
+      return user
+    }
+
+    await refreshCurrentUserFromBackend({ silent: true })
+    return currentUser?.value || user
+  }
+
+  async function startGuidedApplicationTemplate() {
     resetGuidedFlowState()
-    const applicationPreview = buildApplicationTemplatePreview(currentUser?.value || {})
+    const applicationPreview = buildApplicationTemplatePreview(await resolveApplicationPreviewUser())
     pushAssistant(buildLocalApplicationPreviewMessage(applicationPreview), {
       meta: ['申请模板'],
       applicationPreview
@@ -171,10 +182,10 @@ export function useTravelReimbursementGuidedFlow({
     persistAndScroll()
   }
 
-  function handleGuidedShortcut(shortcut) {
+  async function handleGuidedShortcut(shortcut) {
     const actionType = normalizeText(shortcut?.action)
     if (actionType === GUIDED_ACTION_START_APPLICATION) {
-      startGuidedApplicationTemplate()
+      await startGuidedApplicationTemplate()
       return true
     }
     if (actionType === GUIDED_ACTION_START_REIMBURSEMENT) {
@@ -245,6 +256,7 @@ export function useTravelReimbursementGuidedFlow({
       claimsPayload = await fetchExpenseClaims()
     } catch (error) {
       console.warn('Fetch reimbursement applications failed:', error)
+      guidedFlowState.value = createEmptyGuidedFlowState()
       pushAssistant('查询可关联申请单时出现异常，请稍后再试。为避免直接报销，我先暂停当前流程。', {
         meta: ['申请单查询失败']
       })
@@ -254,10 +266,9 @@ export function useTravelReimbursementGuidedFlow({
 
     const applications = filterRequiredApplicationCandidates(claimsPayload, expenseType, currentUser?.value || {})
     if (!applications.length) {
-      guidedFlowState.value = createGuidedReimbursementState()
+      guidedFlowState.value = createEmptyGuidedFlowState()
       pushAssistant(buildRequiredApplicationMissingText(expenseType), {
-        meta: ['缺少可关联申请单'],
-        suggestedActions: buildGuidedExpenseTypeActions()
+        meta: ['缺少可关联申请单']
       })
       return
     }