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/useTravelReimbursementSubmitComposer.js

@@ -13,6 +13,7 @@ import {
   buildModelRefinedApplicationPreview,
   shouldUseLocalApplicationPreview
 } from '../../utils/expenseApplicationPreview.js'
+import { waitForMockApplicationTransportQuote } from '../../utils/expenseApplicationEstimate.js'
 import { fetchOntologyParse } from '../../services/ontology.js'
 import { buildExpenseApplicationOntologyContext } from '../../utils/expenseApplicationOntology.js'
 import { calculateTravelReimbursement } from '../../services/reimbursements.js'
@@ -79,6 +80,7 @@ export function useTravelReimbursementSubmitComposer(ctx) {
     persistSessionState,
     props,
     recognizeOcrFiles,
+    refreshCurrentUserFromBackend,
     refreshFlowRunDetail,
     rememberFilePreviews,
     replaceMessage,
@@ -339,8 +341,18 @@ export function useTravelReimbursementSubmitComposer(ctx) {
       ]
     }
 
-    async function buildApplicationPreviewWithModelReview(rawText) {
+    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 buildApplicationPreviewWithModelReview(rawText) {
+      const user = await resolveApplicationPreviewUser()
       const localPreview = buildLocalApplicationPreview(rawText, user)
 
       const enrichWithPolicyEstimate = async (preview) => {
@@ -349,6 +361,12 @@ export function useTravelReimbursementSubmitComposer(ctx) {
           return preview
         }
         try {
+          const fields = preview?.fields || {}
+          await waitForMockApplicationTransportQuote({
+            transportMode: fields.transportMode,
+            location: fields.location,
+            time: fields.time
+          })
           const result = await calculateTravelReimbursement(estimateRequest.payload)
           return applyApplicationPolicyEstimateResult(preview, result, user)
         } catch (error) {
@@ -548,14 +566,14 @@ export function useTravelReimbursementSubmitComposer(ctx) {
         startFlowStep('application-review-preview', {
           title: '申请信息核对',
           tool: 'ontology.application_review',
-          detail: '正在进行申请信息模型复核...'
+          detail: '正在复核申请信息，并查询交通票价...'
         })
         if (!options.skipUserMessage) {
           messages.value.push(createMessage('user', userText, fileNames))
         }
         const pendingMessage = createMessage(
           'assistant',
-          '正在进行申请信息模型复核。本步骤只识别意图和抽取字段，不会创建、更新或保存草稿。',
+          '正在复核申请信息，并查询交通票价，请稍候。',
           [],
           {
             meta: ['模型复核中']
@@ -770,7 +788,7 @@ export function useTravelReimbursementSubmitComposer(ctx) {
           isKnowledgeSession.value
             ? '正在整理财务知识答案...'
             : activeSessionType.value === 'application'
-              ? '正在识别并整理申请核对信息...'
+              ? '正在识别申请信息并查询交通票价...'
               : activeSessionType.value === 'approval'
                 ? '正在查询审核上下文并整理风险提示...'
                 : '正在识别并整理右侧核对信息...'
@@ -1037,20 +1055,29 @@ export function useTravelReimbursementSubmitComposer(ctx) {
         nextTick(scrollToBottom)
         const resolvedDraftClaimId = String(payload?.result?.draft_payload?.claim_id || draftClaimId.value || '').trim()
         if (!isKnowledgeSession.value && resolvedDraftClaimId && files.length) {
-          void syncComposerFilesToDraft(resolvedDraftClaimId, files)
-            .then((syncResult) => {
+          const persistComposerFilesToDraft = async () => {
+            try {
+              const syncResult = await syncComposerFilesToDraft(resolvedDraftClaimId, files)
               persistSessionState()
-              if (detailScopedUpload && Number(syncResult?.uploadedCount || 0) > 0) {
+              if (detailScopedUpload) {
                 emitRequestUpdated?.({
                   claimId: resolvedDraftClaimId,
-                  source: 'detail-smart-entry-attachment-sync'
+                  source: 'detail-smart-entry-attachment-sync',
+                  uploadedCount: Number(syncResult?.uploadedCount || 0),
+                  skippedCount: Number(syncResult?.skippedCount || 0)
                 })
               }
-            })
-            .catch((error) => {
+            } catch (error) {
               console.warn('Failed to persist composer attachments to draft claim:', error)
               toast(error?.message || '票据已归集到草稿，但附件原件保存失败，请在单据详情中重新上传。')
-            })
+            }
+          }
+          const persistTask = persistComposerFilesToDraft()
+          if (detailScopedUpload) {
+            await persistTask
+          } else {
+            void persistTask
+          }
         }
       } catch (error) {
         clearFlowSimulationTimers()