feat: 细化差旅票据费用明细分类并自动计算出差补贴

将差旅费用明细拆分为火车票、机票、住宿票、乘车等细分类
型，根据票据字段自动生成行程/事由描述，结合规则引擎自
动计算出差补贴金额，前端适配费用明细编辑和差旅票据审
核交互，补充单元测试覆盖。

web/src/views/scripts/TravelReimbursementCreateView.js

@@ -1497,6 +1497,20 @@ function resolveReviewMissingSlotCards(reviewPayload) {
     : []
 }
 
+function resolveReviewExtraMissingLabels(reviewPayload) {
+  const labels = Array.isArray(reviewPayload?.missing_slots)
+    ? reviewPayload.missing_slots.map((item) => String(item || '').trim()).filter(Boolean)
+    : []
+  if (!labels.length) return []
+
+  const slotLabels = new Set(
+    (Array.isArray(reviewPayload?.slot_cards) ? reviewPayload.slot_cards : [])
+      .map((item) => String(item?.label || item?.key || '').trim())
+      .filter(Boolean)
+  )
+  return labels.filter((label) => !slotLabels.has(label))
+}
+
 function resolveReviewRiskBriefs(reviewPayload) {
   if (!Array.isArray(reviewPayload?.risk_briefs)) return []
   return reviewPayload.risk_briefs.filter((item) => {
@@ -1762,7 +1776,7 @@ function buildExpenseQueryHint(queryPayload) {
 }
 
 function countReviewPendingItems(reviewPayload) {
-  return resolveReviewMissingSlotCards(reviewPayload).length
+  return resolveReviewMissingSlotCards(reviewPayload).length + resolveReviewExtraMissingLabels(reviewPayload).length
 }
 
 function countReviewRiskItems(reviewPayload) {
@@ -1825,12 +1839,12 @@ function shouldOpenReviewDisclosure(reviewPayload) {
 }
 
 function buildReviewTodoSectionTitle(reviewPayload) {
-  return resolveReviewMissingSlotCards(reviewPayload).length ? '待补充内容' : '已识别信息'
+  return countReviewPendingItems(reviewPayload) ? '待补充内容' : '已识别信息'
 }
 
 function buildReviewTodoSectionMeta(reviewPayload) {
   const count = buildReviewTodoItems(reviewPayload).length
-  if (resolveReviewMissingSlotCards(reviewPayload).length) {
+  if (countReviewPendingItems(reviewPayload)) {
     return count ? `${count} 项` : '待确认'
   }
   return count ? `${count} 项` : '已齐全'
@@ -1864,6 +1878,17 @@ function buildReviewAlertChips(reviewPayload) {
     })
   }
 
+  if (chips.length < 3) {
+    for (const label of resolveReviewExtraMissingLabels(reviewPayload)) {
+      chips.push({
+        key: label,
+        label,
+        tone: 'warning'
+      })
+      if (chips.length >= 3) break
+    }
+  }
+
   if (chips.length < 3) {
     for (const risk of resolveReviewRiskBriefs(reviewPayload)) {
       if (chips.some((item) => item.label === risk.title)) continue
@@ -1889,8 +1914,10 @@ function buildReviewAlertChips(reviewPayload) {
 
 function buildReviewTodoItems(reviewPayload) {
   const missingItems = resolveReviewMissingSlotCards(reviewPayload)
-  if (missingItems.length) {
-    return missingItems.map((item) => {
+  const extraMissingLabels = resolveReviewExtraMissingLabels(reviewPayload)
+  if (missingItems.length || extraMissingLabels.length) {
+    return [
+      ...missingItems.map((item) => {
       const config = REVIEW_SLOT_CONFIG[item.key] || {}
       return {
         key: item.key,
@@ -1900,7 +1927,18 @@ function buildReviewTodoItems(reviewPayload) {
         status: config.status || '待补充',
         tone: 'warning'
       }
-    })
+    }),
+      ...extraMissingLabels.map((label, index) => ({
+        key: `extra-missing-${index}-${label}`,
+        icon: label.includes('酒店') || label.includes('住宿') ? 'mdi mdi-bed-outline' : 'mdi mdi-file-alert-outline',
+        title: label,
+        hint: label.includes('必须')
+          ? '该票据属于当前差旅提交的必备材料，补齐后才能继续下一步。'
+          : '可以继续补充该材料；如暂时没有，也可以按当前信息处理。',
+        status: label.includes('必须') ? '必须补齐' : '可选补充',
+        tone: 'warning'
+      }))
+    ]
   }
 
   return resolveReviewRecognizedSlotCards(reviewPayload)
@@ -2571,8 +2609,18 @@ function buildLocallySyncedReviewActions(reviewPayload, canProceed) {
     return actions
   }
 
+  const syncedActions = actions.filter((item) => String(item?.action_type || '').trim() !== 'next_step')
+  if (!syncedActions.some((item) => String(item?.action_type || '').trim() === 'save_draft')) {
+    syncedActions.push({
+      label: '保存为草稿',
+      action_type: 'save_draft',
+      description: '先暂存当前已识别信息，稍后仍可继续补充或提交。',
+      emphasis: 'secondary'
+    })
+  }
+
   return [
-    ...actions.filter((item) => !['save_draft', 'next_step'].includes(String(item?.action_type || '').trim())),
+    ...syncedActions,
     {
       label: '继续下一步',
       action_type: 'next_step',
@@ -2607,12 +2655,17 @@ function buildLocallySyncedReviewPayload(reviewPayload, inlineState = createEmpt
   const missingSlots = nextSlotCards
     .filter((slot) => slot.required && slot.status === 'missing')
     .map((slot) => slot.label || slot.key)
-  const canProceed = missingSlots.length === 0 && (Array.isArray(reviewPayload.claim_groups) ? reviewPayload.claim_groups.length > 0 : true)
+  const extraMissingSlots = resolveReviewExtraMissingLabels({
+    ...reviewPayload,
+    slot_cards: nextSlotCards
+  })
+  const allMissingSlots = [...missingSlots, ...extraMissingSlots]
+  const canProceed = allMissingSlots.length === 0 && (Array.isArray(reviewPayload.claim_groups) ? reviewPayload.claim_groups.length > 0 : true)
 
   return {
     ...reviewPayload,
     can_proceed: canProceed,
-    missing_slots: missingSlots,
+    missing_slots: allMissingSlots,
     slot_cards: nextSlotCards,
     confirmation_actions: buildLocallySyncedReviewActions(reviewPayload, canProceed)
   }
@@ -2821,22 +2874,24 @@ function buildReviewDocumentSummaries(reviewPayload) {
 }
 
 function buildReviewDecisionHint(reviewPayload) {
-  const missingSlots = resolveReviewMissingSlotCards(reviewPayload)
+  const pendingCount = countReviewPendingItems(reviewPayload)
   const riskBriefs = resolveReviewRiskBriefs(reviewPayload)
   if (reviewPayload?.can_proceed) {
+    if (shouldShowReviewUploadButton(reviewPayload)) {
+      return '必需信息已整理好；如还有非必需票据可以继续上传，也可以直接进入下一步或保存草稿。'
+    }
     return riskBriefs.length
       ? `我已经把信息整理好了。你可以直接进入下一步，提交前再看一下下方 ${riskBriefs.length} 条提醒。`
       : '我已经把信息整理好了。你确认无误后，可以直接进入下一步。'
   }
-  if (missingSlots.length) {
-    return `我先完成了当前这轮识别，还差 ${missingSlots.length} 项关键信息。你可以继续补充；如果暂时拿不全，也可以先保存草稿。`
+  if (pendingCount) {
+    return `我先完成了当前这轮识别，还差 ${pendingCount} 项关键信息。你可以继续补充；如果暂时拿不全，也可以先保存草稿。`
   }
   return '如果你觉得识别结果有偏差，点“修改识别信息”直接校正，我会按新内容重新识别。'
 }
 
 function buildReviewMissingHint(reviewPayload) {
-  const missingSlots = resolveReviewMissingSlotCards(reviewPayload)
-  if (!missingSlots.length) {
+  if (!countReviewPendingItems(reviewPayload)) {
     return ''
   }
   if (reviewPayload?.can_proceed) {
@@ -2860,8 +2915,19 @@ function buildReviewActionHint(reviewPayload) {
   return '如果现在信息还不完整，可以先保存草稿；识别错了就点“修改识别信息”。'
 }
 
+function shouldShowReviewUploadButton(reviewPayload) {
+  const documents = Array.isArray(reviewPayload?.document_cards) ? reviewPayload.document_cards : []
+  if (!documents.length) return true
+  if (countReviewPendingItems(reviewPayload)) return true
+
+  return resolveReviewRiskBriefs(reviewPayload).some((brief) => {
+    const text = `${brief?.title || ''} ${brief?.content || ''} ${brief?.suggestion || ''}`
+    return /差旅票据待补充|待上传|可继续上传|可继续提供/.test(text)
+  })
+}
+
 function buildReviewStatusTag(reviewPayload) {
-  const missingCount = resolveReviewMissingSlotCards(reviewPayload).length
+  const missingCount = countReviewPendingItems(reviewPayload)
   if (reviewPayload?.can_proceed) {
     return '可继续处理'
   }
@@ -5607,6 +5673,7 @@ export default {
       buildReviewTodoSectionMeta,
       buildReviewAlertChips,
       buildReviewTodoItems,
+      shouldShowReviewUploadButton,
       resolveReviewSubmitActions,
       resolveReviewPrimaryAction,
       resolveReviewEditAction,

web/src/views/scripts/TravelRequestDetailView.js

@@ -15,6 +15,7 @@ import {
   returnExpenseClaim,
   submitExpenseClaim,
   uploadExpenseClaimItemAttachment,
+  updateExpenseClaim,
   updateExpenseClaimItem
 } from '../../services/reimbursements.js'
 import {
@@ -32,6 +33,10 @@ import {
 
 const EXPENSE_TYPE_OPTIONS = [
   { value: 'travel', label: '差旅费' },
+  { value: 'train_ticket', label: '火车票' },
+  { value: 'flight_ticket', label: '机票' },
+  { value: 'hotel_ticket', label: '住宿票' },
+  { value: 'ride_ticket', label: '乘车' },
   { value: 'entertainment', label: '业务招待费' },
   { value: 'office', label: '办公费' },
   { value: 'meeting', label: '会务费' },
@@ -39,15 +44,23 @@ const EXPENSE_TYPE_OPTIONS = [
   { value: 'hotel', label: '住宿费' },
   { value: 'transport', label: '交通费' },
   { value: 'meal', label: '餐费' },
+  { value: 'travel_allowance', label: '出差补贴' },
   { value: 'other', label: '其他费用' }
 ]
 
 const LOCATION_REQUIRED_EXPENSE_TYPES = new Set([
   'travel',
+  'train_ticket',
+  'flight_ticket',
+  'hotel_ticket',
+  'ride_ticket',
   'meeting',
   'entertainment'
 ])
 
+const SYSTEM_GENERATED_EXPENSE_TYPES = new Set(['travel_allowance'])
+const LONG_DISTANCE_TRAVEL_EXPENSE_TYPES = new Set(['train_ticket', 'flight_ticket'])
+
 function parseCurrency(value) {
   return Number.parseFloat(String(value).replace(/[^\d.]/g, '')) || 0
 }
@@ -69,6 +82,11 @@ function resolveExpenseTypeLabel(value) {
   return EXPENSE_TYPE_OPTIONS.find((option) => option.value === normalizeExpenseType(value))?.label || '其他费用'
 }
 
+function isSystemGeneratedExpenseItemSource(source) {
+  const itemType = normalizeExpenseType(source?.itemType || source?.item_type)
+  return Boolean(source?.isSystemGenerated || source?.is_system_generated || SYSTEM_GENERATED_EXPENSE_TYPES.has(itemType))
+}
+
 function isLocationRequiredExpenseType(value) {
   return LOCATION_REQUIRED_EXPENSE_TYPES.has(normalizeExpenseType(value))
 }
@@ -135,6 +153,11 @@ function isPlaceholderValue(value) {
   return ['待补充', '暂无', '无', '未知', '处理中'].includes(text.replace(/\s+/g, ''))
 }
 
+function normalizeDetailNoteDraftValue(value) {
+  const text = String(value || '').trim()
+  return isPlaceholderValue(text) ? '' : text
+}
+
 function isValidIsoDate(value) {
   const normalized = String(value || '').trim()
   if (!/^\d{4}-\d{2}-\d{2}$/.test(normalized)) {
@@ -213,8 +236,65 @@ function extractAttachmentDisplayName(value) {
   return normalized.split('/').filter(Boolean).pop() || normalized
 }
 
-function buildExpenseItemViewModel(source, index, requestModel) {
+function resolveExpenseItemViewId(source, index, requestModel) {
+  return String(source?.id || `${requestModel?.claimId || requestModel?.id || 'claim'}-item-${index}`)
+}
+
+function buildTravelTimeLabelMap(items, requestModel) {
+  const travelItems = items
+    .map((item, index) => {
+      const itemType = normalizeExpenseType(item?.itemType || item?.item_type || requestModel?.typeCode || 'other')
+      return {
+        id: resolveExpenseItemViewId(item, index, requestModel),
+        index,
+        itemType,
+        itemDate: normalizeIsoDateValue(item?.itemDate ?? item?.item_date),
+        isSystemGenerated: isSystemGeneratedExpenseItemSource({ ...item, itemType })
+      }
+    })
+    .filter((item) => !item.isSystemGenerated && LONG_DISTANCE_TRAVEL_EXPENSE_TYPES.has(item.itemType))
+    .sort((left, right) => {
+      const dateCompare = String(left.itemDate || '').localeCompare(String(right.itemDate || ''))
+      return dateCompare || left.index - right.index
+    })
+
+  const labels = new Map()
+  if (!travelItems.length) {
+    return labels
+  }
+
+  travelItems.forEach((item, index) => {
+    if (index === 0) {
+      labels.set(item.id, '出发时间')
+    } else if (index === travelItems.length - 1) {
+      labels.set(item.id, '返回时间')
+    } else {
+      labels.set(item.id, '中转时间')
+    }
+  })
+  return labels
+}
+
+function resolveExpenseTimeLabel({ id, itemType, isSystemGenerated, requestModel, travelTimeLabelMap }) {
+  if (isSystemGenerated) {
+    return '系统自动计算'
+  }
+  if (travelTimeLabelMap?.has(id)) {
+    return travelTimeLabelMap.get(id)
+  }
+  if (itemType === 'ride_ticket') {
+    return '乘车时间'
+  }
+  if (itemType === 'hotel_ticket') {
+    return '住宿时间'
+  }
+  return requestModel?.detailVariant === 'travel' ? '出行时间' : '业务发生时间'
+}
+
+function buildExpenseItemViewModel(source, index, requestModel, travelTimeLabelMap = new Map()) {
   const itemType = normalizeExpenseType(source?.itemType || source?.item_type || requestModel?.typeCode || 'other')
+  const isSystemGenerated = isSystemGeneratedExpenseItemSource({ ...source, itemType })
+  const id = resolveExpenseItemViewId(source, index, requestModel)
   const itemReason = String(source?.itemReason ?? source?.item_reason ?? '').trim()
   const itemLocation = String(source?.itemLocation ?? source?.item_location ?? '').trim()
   const itemDate = normalizeIsoDateValue(source?.itemDate ?? source?.item_date)
@@ -232,26 +312,33 @@ function buildExpenseItemViewModel(source, index, requestModel) {
   )
 
   return {
-    id: String(source?.id || `${requestModel?.claimId || requestModel?.id || 'claim'}-item-${index}`),
+    id,
     itemDate,
     itemType,
     itemReason,
     itemLocation,
     itemAmount,
     invoiceId,
+    isSystemGenerated,
     time: itemDate || '待补充',
     filledAt: filledAt || '待同步',
-    dayLabel: requestModel?.detailVariant === 'travel' ? `第 ${index + 1} 项` : '业务发生项',
+    dayLabel: resolveExpenseTimeLabel({
+      id,
+      itemType,
+      isSystemGenerated,
+      requestModel,
+      travelTimeLabelMap
+    }),
     name: resolveExpenseTypeLabel(itemType),
     category: resolveExpenseTypeLabel(itemType),
     desc: itemReason || '待补充',
     detail: resolveLocationDisplay(itemLocation, itemType),
     amount: amountDisplay,
-    status: attachments.length ? '已识别' : '待补充',
-    tone: attachments.length ? 'ok' : 'bad',
-    attachmentStatus: attachments.length ? '已关联票据' : '未上传',
-    attachmentHint: attachments.length ? attachmentName || attachments[0] : resolveExpenseUploadHint(),
-    attachmentTone: attachments.length ? 'ok' : 'missing',
+    status: isSystemGenerated ? '系统计算' : attachments.length ? '已识别' : '待补充',
+    tone: isSystemGenerated ? 'system' : attachments.length ? 'ok' : 'bad',
+    attachmentStatus: isSystemGenerated ? '无需附件' : attachments.length ? '已关联票据' : '未上传',
+    attachmentHint: isSystemGenerated ? '根据出差天数与职级自动测算' : attachments.length ? attachmentName || attachments[0] : resolveExpenseUploadHint(),
+    attachmentTone: isSystemGenerated ? 'system' : attachments.length ? 'ok' : 'missing',
     attachments,
     riskLabel: String(source?.riskLabel || '').trim() || '无',
     riskText,
@@ -260,11 +347,17 @@ function buildExpenseItemViewModel(source, index, requestModel) {
 }
 
 function rebuildExpenseItems(items, requestModel) {
-  return items.map((item, index) => buildExpenseItemViewModel(item, index, requestModel))
+  const sortedItems = [...items]
+    .sort((left, right) => Number(isSystemGeneratedExpenseItemSource(left)) - Number(isSystemGeneratedExpenseItemSource(right)))
+  const travelTimeLabelMap = buildTravelTimeLabelMap(sortedItems, requestModel)
+  return sortedItems.map((item, index) => buildExpenseItemViewModel(item, index, requestModel, travelTimeLabelMap))
 }
 
 function buildExpenseDraftIssues(item) {
   const issues = []
+  if (item.isSystemGenerated) {
+    return issues
+  }
   const locationRequired = isLocationRequiredExpenseType(item.itemType)
 
   if (!isValidIsoDate(item.itemDate)) {
@@ -441,6 +534,8 @@ export default {
       itemAmount: '',
       invoiceId: ''
     })
+    const detailNoteEditor = ref('')
+    const savingDetailNote = ref(false)
 
     const request = computed(() => {
       const normalized = normalizeRequestForUi(props.request)
@@ -654,7 +749,7 @@ export default {
     }
 
     const expenseTotal = computed(() => {
-      const total = expenseItems.value.reduce((sum, item) => sum + parseCurrency(item.amount), 0)
+      const total = expenseItems.value.reduce((sum, item) => sum + Number(item.itemAmount || 0), 0)
       return formatCurrency(total)
     })
 
@@ -662,10 +757,21 @@ export default {
     const expenseTableColumnCount = computed(
       () => 6 + (isEditableRequest.value ? 1 : 0)
     )
-    const detailNote = computed(
-      () =>
-        request.value.note
-        || '暂无附加说明。可在这里补充特殊背景、例外原因、补件计划或其他需要财务和审批人重点关注的信息。'
+    const canEditDetailNote = computed(() => isDraftRequest.value)
+    const detailNoteSource = computed(() => normalizeDetailNoteDraftValue(request.value.note))
+    const detailNote = computed(() => {
+      if (detailNoteSource.value) {
+        return detailNoteSource.value
+      }
+      return '暂无附加说明。请补充本次出差或办事事由，例如“去北京客户现场出差，拜访 XX 客户并处理项目验收事项”。'
+    })
+    const detailNoteDirty = computed(() => detailNoteEditor.value.trim() !== detailNoteSource.value)
+    watch(
+      () => [request.value.claimId, detailNoteSource.value],
+      ([, nextNote]) => {
+        detailNoteEditor.value = nextNote
+      },
+      { immediate: true }
     )
     const draftBlockingIssues = computed(() =>
       isEditableRequest.value ? buildDraftBlockingIssues(request.value, expenseItems.value) : []
@@ -873,10 +979,44 @@ export default {
       })
     })
 
+    function resetDetailNote() {
+      detailNoteEditor.value = detailNoteSource.value
+    }
+
+    async function saveDetailNote() {
+      if (!canEditDetailNote.value || savingDetailNote.value) {
+        return
+      }
+      if (!request.value.claimId) {
+        toast('当前草稿缺少 claimId，暂时无法保存附加说明。')
+        return
+      }
+      if (!detailNoteDirty.value) {
+        return
+      }
+
+      savingDetailNote.value = true
+      try {
+        await updateExpenseClaim(request.value.claimId, {
+          reason: detailNoteEditor.value.trim()
+        })
+        toast('附加说明已保存。')
+        emit('request-updated', { claimId: request.value.claimId })
+      } catch (error) {
+        toast(error?.message || '附加说明保存失败，请稍后重试。')
+      } finally {
+        savingDetailNote.value = false
+      }
+    }
+
     function startExpenseEdit(item) {
       if (!isEditableRequest.value || actionBusy.value) {
         return
       }
+      if (item?.isSystemGenerated) {
+        toast('系统自动计算的补贴行不能手动编辑。')
+        return
+      }
 
       editingExpenseId.value = item.id
       expenseEditor.itemDate = item.itemDate || ''
@@ -954,6 +1094,11 @@ export default {
         return
       }
 
+      if (item?.isSystemGenerated) {
+        toast('系统自动计算的补贴行无需上传附件。')
+        return
+      }
+
       if (item?.invoiceId) {
         toast('每条费用明细只能关联一张单据，如需更换请先删除当前单据。')
         return
@@ -1036,6 +1181,10 @@ export default {
       if (!item || !file) {
         return
       }
+      if (item?.isSystemGenerated) {
+        toast('系统自动计算的补贴行无需上传附件。')
+        return
+      }
 
       if (item?.invoiceId) {
         toast('每条费用明细只能关联一张单据，如需更换请先删除当前单据。')
@@ -1138,6 +1287,10 @@ export default {
       if (!request.value.claimId || !item?.id || actionBusy.value) {
         return
       }
+      if (item?.isSystemGenerated) {
+        toast('系统自动计算的补贴行不能删除。')
+        return
+      }
 
       deletingExpenseId.value = item.id
       try {
@@ -1468,18 +1621,21 @@ export default {
       confirmReturnRequest,
       currentAttachmentPreviewInsight,
       currentAttachmentPreviewRiskCards,
-      currentProgressRingMotion,
-      deleteActionLabel,
-      deleteBusy,
-      deleteDialogDescription,
-      deleteDialogOpen,
-      deleteDialogTitle,
-      deletingAttachmentId,
-      deletingExpenseId,
-      detailNote,
-      draftBlockingIssues,
-      editingExpenseId,
-      creatingExpense,
+          currentProgressRingMotion,
+          canEditDetailNote,
+          deleteActionLabel,
+          deleteBusy,
+          deleteDialogDescription,
+          deleteDialogOpen,
+          deleteDialogTitle,
+          deletingAttachmentId,
+          deletingExpenseId,
+          detailNote,
+          detailNoteDirty,
+          detailNoteEditor,
+          draftBlockingIssues,
+          editingExpenseId,
+          creatingExpense,
       expenseEditor,
       expenseItems,
       expenseTableColumnCount,
@@ -1502,18 +1658,21 @@ export default {
       goToPreviousAttachmentPreview,
       profile,
       progressSteps,
-      request,
-      leaderOpinion,
-      removeExpenseAttachment,
-      removeExpenseItem,
-      resolveAttachmentDisplayName,
-      resolveAttachmentPreviewTitle,
-      resolveAttachmentRecognition,
-      resolveExpenseRiskState,
-      resolveExpenseIssues,
+          request,
+          leaderOpinion,
+          removeExpenseAttachment,
+          removeExpenseItem,
+          resetDetailNote,
+          resolveAttachmentDisplayName,
+          resolveAttachmentPreviewTitle,
+          resolveAttachmentRecognition,
+          resolveExpenseRiskState,
+          resolveExpenseIssues,
       returnBusy,
-      returnDialogOpen,
-      savingExpenseId,
+          returnDialogOpen,
+          saveDetailNote,
+          savingDetailNote,
+          savingExpenseId,
       showLeaderApprovalPanel,
       showExpenseRisk,
       startExpenseEdit,

web/src/views/scripts/travelRequestDetailInsights.js

@@ -265,19 +265,44 @@ export function buildAiAdviceViewModel({ completionItems = [], riskCards = [] }
   const hasHighRisk = normalizedRiskCards.some((card) => card.tone === 'high')
 
   if (!normalizedCompletionItems.length && !normalizedRiskCards.length) {
+    const items = [
+      '点击右下角“提交审批”进入流程。',
+      '提交前再核对一次合计金额与各条费用明细金额是否一致。',
+      '如有特殊业务背景或例外情况，可在下方附加说明中补充。'
+    ]
+
     return {
       tone: 'ready',
       badge: '可直接提交',
       summary: 'AI判断当前草稿已具备提交条件，可以直接发起审批。',
-      items: [
-        '点击右下角“提交审批”进入流程。',
-        '提交前再核对一次合计金额与各条费用明细金额是否一致。',
-        '如有特殊业务背景或例外情况，可在下方附加说明中补充。'
-      ],
-      riskCards: []
+      items,
+      riskCards: [],
+      sections: [
+        {
+          kind: 'completion',
+          title: '建议补充字段',
+          items
+        }
+      ]
     }
   }
 
+  const sections = []
+  if (normalizedCompletionItems.length) {
+    sections.push({
+      kind: 'completion',
+      title: '建议补充字段',
+      items: normalizedCompletionItems
+    })
+  }
+  if (normalizedRiskCards.length) {
+    sections.push({
+      kind: 'risk',
+      title: '已知存在风险',
+      items: normalizedRiskCards
+    })
+  }
+
   return {
     tone: hasHighRisk ? 'warning' : 'pending',
     badge: hasHighRisk ? '优先整改' : '待核对',
@@ -285,6 +310,7 @@ export function buildAiAdviceViewModel({ completionItems = [], riskCards = [] }
       ? `AI已整理出 ${normalizedRiskCards.length} 个风险点，请逐项核对规则依据和修改建议。`
       : '建议先补齐必填信息，完成后即可提交审批。',
     items: normalizedCompletionItems,
-    riskCards: normalizedRiskCards
+    riskCards: normalizedRiskCards,
+    sections
   }
 }