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/travel-request-detail-leader-approval.test.mjs

@@ -88,10 +88,13 @@ test('approval-mode detail collects leader opinion inside confirm dialog before
   assert.match(detailScript, /canProcessBudgetApprovalStage\.value/)
   assert.doesNotMatch(detailScript, /leaderApprovalReadonlyText/)
   assert.match(detailScript, /resolveGeneratedDraftClaimNo/)
+  assert.match(detailScript, /resolveApproveErrorMessage/)
+  assert.match(detailScript, /当前部门未配置 P8 预算审批人，请联系管理员配置后再审批。/)
   assert.match(detailScript, /approveActionLabel/)
   assert.match(detailScript, /approveExpenseClaim\(request\.value\.claimId, \{[\s\S]*opinion: leaderOpinion\.value\.trim\(\) \|\| '同意'/)
   assert.match(detailScript, /报销草稿 \$\{generatedDraftClaimNo\} 已生成/)
-  assert.match(detailScript, /流转至预算管理者审批/)
+  assert.match(detailScript, /按预算与风险结果决定下一步/)
+  assert.match(detailScript, /无风险且预算充足将直接完成申请/)
 
   assert.doesNotMatch(detailTemplate, /v-if="showLeaderApprovalPanel"/)
   assert.doesNotMatch(detailTemplate, /showApplicationLeaderOpinionInput/)
@@ -134,6 +137,7 @@ test('approval-mode detail collects leader opinion inside confirm dialog before
   assert.doesNotMatch(handleApproveRequest, /approveExpenseClaim/)
   assert.doesNotMatch(handleApproveRequest, /leaderOpinion\.value\.trim/)
   assert.match(confirmApproveRequest, /approveExpenseClaim/)
+  assert.match(confirmApproveRequest, /emit\('request-updated', \{ claimId: request\.value\.claimId \}\)[\s\S]*emit\('backToRequests'\)/)
   assert.doesNotMatch(confirmApproveRequest, /requiresApprovalOpinion\.value && !leaderOpinion\.value\.trim\(\)/)
   assert.doesNotMatch(confirmApproveRequest, /请先填写领导意见，填写后才能确认审核。/)