diff --git a/server/src/app/schemas/user_agent.py b/server/src/app/schemas/user_agent.py
index f0ef4ac..c124a94 100644
--- a/server/src/app/schemas/user_agent.py
+++ b/server/src/app/schemas/user_agent.py
@@ -32,6 +32,7 @@ class UserAgentDraftPayload(BaseModel):
     claim_id: str | None = Field(default=None, description="关联的报销草稿 ID。")
     claim_no: str | None = Field(default=None, description="关联的报销草稿单号。")
     status: str | None = Field(default=None, description="当前报销草稿状态。")
+    approval_stage: str | None = Field(default=None, description="当前审批节点。")
 
 
 class UserAgentQueryStatusGroup(BaseModel):
diff --git a/server/src/app/services/user_agent.py b/server/src/app/services/user_agent.py
index 6970e06..40a29eb 100644
--- a/server/src/app/services/user_agent.py
+++ b/server/src/app/services/user_agent.py
@@ -599,23 +599,34 @@ class UserAgentService:
         subject = self._resolve_subject(payload)
         claim_no = str(payload.tool_payload.get("claim_no") or "").strip() or None
         claim_status = str(payload.tool_payload.get("status") or "").strip() or None
+        approval_stage = str(payload.tool_payload.get("approval_stage") or "").strip() or None
+        is_submitted = claim_status == "submitted"
         title = f"{scenario_label}处理意见草稿"
         if claim_no:
-            title = f"{scenario_label}草稿 {claim_no}"
-        body = (
-            f"主题：{subject}\n"
-            "结论：已根据当前语义解析结果生成草稿，尚未自动执行。\n"
-            "建议：请先核对明细、规则命中和所需附件，再由人工确认是否提交正式流程。\n"
-            f"原始问题：{payload.message}"
-        )
+            title = f"{scenario_label}{'报销单' if is_submitted else '草稿'} {claim_no}"
+        if is_submitted:
+            body = (
+                f"主题：{subject}\n"
+                f"结论：报销单已提交审批，当前节点为 {approval_stage or '审批中'}。\n"
+                "建议：后续可在个人报销列表中跟踪审批进度，必要时再补充说明或附件。\n"
+                f"原始问题：{payload.message}"
+            )
+        else:
+            body = (
+                f"主题：{subject}\n"
+                "结论：已根据当前语义解析结果生成草稿，尚未自动执行。\n"
+                "建议：请先核对明细、规则命中和所需附件，再由人工确认是否提交正式流程。\n"
+                f"原始问题：{payload.message}"
+            )
         return UserAgentDraftPayload(
             draft_type=payload.ontology.scenario,
             title=title,
             body=body,
-            confirmation_required=True,
+            confirmation_required=not is_submitted,
             claim_id=str(payload.tool_payload.get("claim_id") or "").strip() or None,
             claim_no=claim_no,
             status=claim_status,
+            approval_stage=approval_stage,
         )
 
     def _build_suggested_actions(
@@ -1161,6 +1172,11 @@ class UserAgentService:
                 )
             return "已按您当前确认的信息保存为草稿。后续您可以继续补充缺失项，或修改识别结果后再继续提交。"
         if review_action == "next_step":
+            if draft_payload is not None and draft_payload.status == "submitted":
+                stage_text = draft_payload.approval_stage or "审批中"
+                return f"报销单 {draft_payload.claim_no or ''} 已提交审批，当前节点为 {stage_text}。".strip()
+            if payload.tool_payload.get("submission_blocked"):
+                return str(payload.tool_payload.get("message") or "").strip() or "当前报销单暂时还不能提交审批。"
             return (
                 f"{self._build_review_intent_summary(payload, slot_cards=review_payload.slot_cards, claim_groups=review_payload.claim_groups)} "
                 "当前关键信息已基本齐全，您确认无误后可以继续下一步。"