feat(web): 报销单新增关联申请单门控与草稿检测流程

- 新增 travelReimbursementAssociationGateModel，查询可关联申请单/草稿报销单并生成跳过/选择/单独新建动作，区分差旅费与业务招待费类型
- travelReimbursementApplicationLinkModel 补充 buildLinkedApplicationReferenceIndex/buildRequiredApplicationActions 等关联构建逻辑
- useTravelReimbursementSuggestedActions 接入 select_required_application/skip 系列动作，'我要报销'入口改为先走关联门控
- useWorkbenchAiActionRouter 新增 SKIP_REQUIRED_APPLICATION_LINK/SKIP_REIMBURSEMENT_DRAFT_CHECK 动作分发
- useWorkbenchAiExpenseFlow 暴露 startAiReimbursementAssociationGate，stewardPlanModel 待处理流程适配
- 新增 workbench-ai-action-router、workbench-ai-reimbursement-association-gate 测试并更新 guided-flow、steward-plan 测试

web/src/composables/workbenchAiMode/useWorkbenchAiActionRouter.js

@@ -12,6 +12,10 @@ import {
   AI_ATTACHMENT_OCR_DETAIL_ACTION
 } from './workbenchAiMessageModel.js'
 import { SESSION_TYPE_EXPENSE } from './useWorkbenchAiExpenseFlow.js'
+import {
+  SKIP_REQUIRED_APPLICATION_LINK_ACTION,
+  SKIP_REIMBURSEMENT_DRAFT_CHECK_ACTION
+} from '../../views/scripts/travelReimbursementAssociationGateModel.js'
 
 export function useWorkbenchAiActionRouter({
   aiExpenseDraft,
@@ -98,6 +102,23 @@ export function useWorkbenchAiActionRouter({
       return
     }
 
+    if (actionType === SKIP_REIMBURSEMENT_DRAFT_CHECK_ACTION) {
+      void expenseFlow.startAiReimbursementAssociationGate(
+        actionPayload.original_message || '我要报销',
+        action.label || '不用草稿，关联申请单新建报销单',
+        { skipDraftCheck: true }
+      )
+      return
+    }
+
+    if (actionType === SKIP_REQUIRED_APPLICATION_LINK_ACTION) {
+      expenseFlow.pushInlineExpenseSceneSelectionPrompt(
+        actionPayload.original_message || '我要报销',
+        action.label || '单独新建报销单'
+      )
+      return
+    }
+
     if (actionType === 'ai_application_start_inline') {
       aiExpenseDraft.value = null
       void expenseFlow.startAiApplicationPreviewFromAction(action?.payload || {}, action?.label)
@@ -109,7 +130,7 @@ export function useWorkbenchAiActionRouter({
       return
     }
     if (String(action?.payload?.session_type || '').trim() === SESSION_TYPE_EXPENSE && carryText === '我要报销') {
-      expenseFlow.pushInlineExpenseSceneSelectionPrompt(carryText, action.label)
+      void expenseFlow.startAiReimbursementAssociationGate(carryText, action.label)
       return
     }
     startInlineConversation(carryText, {