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/tests/risk-observation-dashboard.test.mjs

@@ -21,6 +21,8 @@ const overviewTemplate = readFileSync(
 test('risk dashboard normalizes amount, distributions, and ranking fields', () => {
   const dashboard = normalizeRiskObservationDashboard({
     total_observations: 5,
+    risk_clue_count: 2,
+    feedback_sample_count: 3,
     total_amount: 12800,
     department_distribution: { 风控部: 3 },
     expense_type_distribution: { travel: 2 },
@@ -35,6 +37,8 @@ test('risk dashboard normalizes amount, distributions, and ranking fields', () =
   })
 
   assert.equal(dashboard.totalAmount, 12800)
+  assert.equal(dashboard.riskClueCount, 2)
+  assert.equal(dashboard.feedbackSampleCount, 3)
   assert.equal(dashboard.departmentDistribution['风控部'], 3)
   assert.equal(dashboard.expenseTypeDistribution.travel, 2)
   assert.equal(dashboard.riskTypeDistribution.duplicate_invoice, 2)
@@ -51,6 +55,9 @@ test('risk dashboard renders overview amount and multi-dimension panels', () =>
   assert.match(overviewViewModel, /label: '误报数量'/)
   assert.match(dashboardComponent, /业务维度分布/)
   assert.match(dashboardComponent, /异常排行/)
+  assert.match(dashboardComponent, /待复核线索/)
+  assert.match(dashboardComponent, /反馈样本/)
+  assert.doesNotMatch(dashboardComponent, /候选规则/)
   assert.match(dashboardComponent, /departmentDistribution/)
   assert.match(dashboardComponent, /expenseTypeDistribution/)
   assert.match(dashboardComponent, /supplierDistribution/)