审批流程：用户名改为常见人名 + 按销售归属的审批线指派（软约束）

- 用户名改为常见人名（张伟/王芳/李娜/刘洋/陈静/赵磊/孙莉/周强）
- 审批线模型：每个销售→指定风控+管理层审批人（含默认线兜底），resolveAssignees 纯函数+4单测
- 提交时按销售归属计算并落库指派（assessment_assignments 表）
- 软约束：待办默认只看分给我的（含未指派），同角色他人仍可代审；详情页显示指派审批人
- 审批流程页新增「审批人指派·审批线」配置区（启用/默认线/按销售配线）
- 配置 GET/PUT 扩展 assignment；getApprovalConfig 向后兼容回填

migrations/1730000025000_assessment_assignments.cjs

@@ -0,0 +1,22 @@
+/* eslint-disable */
+/**
+ * 审批人指派：记录每个评估被指派的风控审批人与管理层审批人（按审批线在提交时计算）。
+ * 软约束——仅作展示/过滤与审计，不强制拦截同角色其他人代审。
+ */
+
+exports.up = (pgm) => {
+  pgm.sql(`
+    CREATE TABLE IF NOT EXISTS assessment_assignments (
+      assessment_id TEXT PRIMARY KEY,
+      risk_reviewer_id TEXT,
+      risk_reviewer_name TEXT,
+      manager_id TEXT,
+      manager_name TEXT,
+      updated_at TIMESTAMPTZ NOT NULL DEFAULT now()
+    );
+  `);
+};
+
+exports.down = (pgm) => {
+  pgm.sql(`DROP TABLE IF EXISTS assessment_assignments;`);
+};

src/persistence/approvalConfig.ts

@@ -4,12 +4,17 @@
 import type pg from 'pg';
 import { DEFAULT_APPROVAL_CONFIG, type ApprovalConfig } from '../strategy/approvalRules.js';
 
-/** 读取审批配置；不存在则返回默认配置。 */
+/** 读取审批配置；不存在则返回默认配置。缺失字段用默认值回填（向后兼容旧配置）。 */
 export async function getApprovalConfig(pool: pg.Pool): Promise<ApprovalConfig> {
   const res = await pool.query('SELECT config FROM approval_config WHERE id = 1');
   const row = (res.rows as Array<{ config?: unknown }>)[0];
   if (!row || row.config == null) return DEFAULT_APPROVAL_CONFIG;
-  return row.config as ApprovalConfig;
+  const stored = row.config as Partial<ApprovalConfig>;
+  return {
+    ...DEFAULT_APPROVAL_CONFIG,
+    ...stored,
+    assignment: { ...DEFAULT_APPROVAL_CONFIG.assignment, ...(stored.assignment ?? {}) },
+  } as ApprovalConfig;
 }
 
 /** 保存审批配置（upsert 单行）。 */

src/persistence/assignments.ts

@@ -0,0 +1,52 @@
+/**
+ * 审批人指派持久化：评估 → 指定风控/管理层审批人。
+ */
+import type pg from 'pg';
+
+export interface AssignmentRecord {
+  assessmentId: string;
+  riskReviewerId: string | null;
+  riskReviewerName: string | null;
+  managerId: string | null;
+  managerName: string | null;
+}
+
+function mapRow(r: Record<string, unknown>): AssignmentRecord {
+  return {
+    assessmentId: String(r.assessment_id),
+    riskReviewerId: r.risk_reviewer_id != null ? String(r.risk_reviewer_id) : null,
+    riskReviewerName: r.risk_reviewer_name != null ? String(r.risk_reviewer_name) : null,
+    managerId: r.manager_id != null ? String(r.manager_id) : null,
+    managerName: r.manager_name != null ? String(r.manager_name) : null,
+  };
+}
+
+/** 写入/更新某评估的指派。 */
+export async function setAssignment(pool: pg.Pool, a: AssignmentRecord): Promise<void> {
+  await pool.query(
+    `INSERT INTO assessment_assignments(assessment_id, risk_reviewer_id, risk_reviewer_name, manager_id, manager_name, updated_at)
+     VALUES($1,$2,$3,$4,$5,now())
+     ON CONFLICT(assessment_id) DO UPDATE SET
+       risk_reviewer_id=EXCLUDED.risk_reviewer_id, risk_reviewer_name=EXCLUDED.risk_reviewer_name,
+       manager_id=EXCLUDED.manager_id, manager_name=EXCLUDED.manager_name, updated_at=now()`,
+    [a.assessmentId, a.riskReviewerId, a.riskReviewerName, a.managerId, a.managerName],
+  );
+}
+
+/** 取某评估的指派。 */
+export async function getAssignment(pool: pg.Pool, assessmentId: string): Promise<AssignmentRecord | null> {
+  const res = await pool.query('SELECT * FROM assessment_assignments WHERE assessment_id=$1', [assessmentId]);
+  const r = (res.rows as Array<Record<string, unknown>>)[0];
+  return r ? mapRow(r) : null;
+}
+
+/** 全部指派（assessmentId → 记录），供列表/看板合并。 */
+export async function loadAllAssignments(pool: pg.Pool): Promise<Record<string, AssignmentRecord>> {
+  const res = await pool.query('SELECT * FROM assessment_assignments');
+  const out: Record<string, AssignmentRecord> = {};
+  for (const r of res.rows as Array<Record<string, unknown>>) {
+    const rec = mapRow(r);
+    out[rec.assessmentId] = rec;
+  }
+  return out;
+}

src/persistence/index.ts

@@ -21,6 +21,7 @@ export * from './minWages.js';
 export * from './drafts.js';
 export * from './users.js';
 export * from './approvalConfig.js';
+export * from './assignments.js';
 export * from './settings.js';
 export * from './regionRates.js';
 export * from './rejectReasons.js';

src/server/index.ts

@@ -75,6 +75,9 @@ import {
   getApprovalConfig,
   saveApprovalConfig,
   ensureApprovalConfig,
+  setAssignment,
+  getAssignment,
+  loadAllAssignments,
   getSetting,
   setSetting,
   loadAllRegionRates,
@@ -104,7 +107,7 @@ import { buildMetricRedline, checkRedlines, type ComputableRedlineConfig, type R
 import { generate, exportReport } from '../report/index.js';
 import { analyzeProfitability, type ProfitabilityInputs } from '../cost/index.js';
 import { NATIONAL_DEFAULT_RATES, REGION_RATES } from '../cost/index.js';
-import { combineRecommendation, DEFAULT_TARGET_NET_MARGIN, buildOperatingControls, decide, hasRedlineHit, targetMarginForGrade, evaluateApproval, DEFAULT_APPROVAL_CONFIG, type ApprovalConfig, type ApprovalRule, type ApprovalCondition } from '../strategy/index.js';
+import { combineRecommendation, DEFAULT_TARGET_NET_MARGIN, buildOperatingControls, decide, hasRedlineHit, targetMarginForGrade, evaluateApproval, resolveAssignees, DEFAULT_APPROVAL_CONFIG, type ApprovalConfig, type ApprovalRule, type ApprovalCondition, type ApprovalLine } from '../strategy/index.js';
 import type { RiskLevel } from '../domain/common.js';
 import type { KnownData } from '../question/index.js';
 import type { Region } from '../domain/region.js';
@@ -1326,11 +1329,31 @@ app.put('/api/approval-config', requireRole('系统管理员'), async (c) => {
         value: cd.value,
       })) : [],
     })),
+    assignment: {
+      enabled: body.assignment?.enabled === true,
+      defaultRiskReviewerId: body.assignment?.defaultRiskReviewerId ?? null,
+      defaultManagerId: body.assignment?.defaultManagerId ?? null,
+      lines: Array.isArray(body.assignment?.lines)
+        ? body.assignment.lines
+            .filter((l: ApprovalLine) => typeof l.salesId === 'string' && l.salesId !== '')
+            .map((l: ApprovalLine) => ({
+              salesId: l.salesId,
+              riskReviewerId: l.riskReviewerId ?? null,
+              managerId: l.managerId ?? null,
+            }))
+        : [],
+    },
   };
   await saveApprovalConfig(pool, cfg);
   return c.json(cfg);
 });
 
+/** 全部评估的审批人指派（assessmentId → 风控/管理层审批人），供看板与详情合并展示。 */
+app.get('/api/assignments', async (c) => {
+  if (pool === null) return c.json({});
+  return c.json(await loadAllAssignments(pool));
+});
+
 /**
  * GET /api/region-rates/engine-defaults
  * 引擎内置默认费率（全国 + 上海/北京/广东），作为维护对照基准。
@@ -1670,6 +1693,8 @@ app.get('/api/assessments/:id', async (c) => {
     const ev = (er.rows[0] as { expires_at?: unknown } | undefined)?.expires_at;
     if (ev != null) expiresAt = ev instanceof Date ? ev.toISOString() : String(ev);
   }
+  // 审批人指派（按审批线，软约束）。
+  const assignment = pool !== null ? await getAssignment(pool, id).catch(() => null) : null;
   return c.json({
     assessment: record.assessment,
     report: record.report,
@@ -1684,6 +1709,7 @@ app.get('/api/assessments/:id', async (c) => {
     redlineTitles,
     profitabilityInputs: profitabilityInputsById.get(id) ?? null,
     expiresAt,
+    assignment,
   });
 });
 
@@ -2221,6 +2247,32 @@ app.post('/api/assessments/:id/redline-verdict', requireRole('风控', '管理
   return c.json({ redlineId: body.redlineId, status: body.status, acceptability: a.acceptability });
 });
 
+/** 申报：销售将「草稿待申报」评估报送风控审核。 */
+/**
+ * 按审批线为评估指派审批人（软约束，仅展示/过滤/审计）。
+ * 据提交销售解析审批线 → 指定风控/管理层；写入 assessment_assignments。
+ */
+async function assignApprovers(id: string, salesUsername: string): Promise<void> {
+  if (pool === null) return;
+  const cfg = await getApprovalConfig(pool);
+  if (!cfg.assignment.enabled) return;
+  const sales = await getUserByUsername(pool, salesUsername);
+  const { riskReviewerId, managerId } = resolveAssignees(cfg.assignment, sales?.id);
+  const users = await listUsers(pool);
+  const nameOf = (uid: string | null): string | null => {
+    if (uid === null) return null;
+    const u = users.find((x) => x.id === uid);
+    return u ? u.username : null;
+  };
+  await setAssignment(pool, {
+    assessmentId: id,
+    riskReviewerId,
+    riskReviewerName: nameOf(riskReviewerId),
+    managerId,
+    managerName: nameOf(managerId),
+  });
+}
+
 /** 申报：销售将「草稿待申报」评估报送风控审核。 */
 app.post('/api/assessments/:id/submit', async (c) => {
   const id = c.req.param('id');
@@ -2244,6 +2296,7 @@ app.post('/api/assessments/:id/submit', async (c) => {
   if (pool !== null) {
     await persistStatus(pool, id, 'pending_risk_review');
     await persistAudit(pool, id, submitEntry);
+    await assignApprovers(id, body.user).catch(() => undefined);
   }
   return c.json({ status: 'pending_risk_review' });
 });

src/strategy/__tests__/approvalRules.test.ts

@@ -1,5 +1,5 @@
 import { describe, it, expect } from 'vitest';
-import { evaluateApproval, DEFAULT_APPROVAL_CONFIG, type ApprovalConfig } from '../approvalRules.js';
+import { evaluateApproval, resolveAssignees, DEFAULT_APPROVAL_CONFIG, type ApprovalConfig } from '../approvalRules.js';
 
 describe('审批规则引擎 evaluateApproval', () => {
   it('命中红线 → 需管理层', () => {
@@ -63,3 +63,31 @@ describe('审批规则引擎 evaluateApproval', () => {
     expect(d.requireManagement).toBe(false);
   });
 });
+
+describe('审批线指派 resolveAssignees', () => {
+  const base = {
+    enabled: true,
+    defaultRiskReviewerId: 'r-default',
+    defaultManagerId: 'm-default',
+    lines: [
+      { salesId: 's1', riskReviewerId: 'r1', managerId: 'm1' },
+      { salesId: 's2', riskReviewerId: 'r2', managerId: null },
+    ],
+  };
+
+  it('匹配到销售审批线 → 用线上指定审批人', () => {
+    expect(resolveAssignees(base, 's1')).toEqual({ riskReviewerId: 'r1', managerId: 'm1' });
+  });
+
+  it('线上某项为空 → 回退默认', () => {
+    expect(resolveAssignees(base, 's2')).toEqual({ riskReviewerId: 'r2', managerId: 'm-default' });
+  });
+
+  it('未匹配销售 → 用默认审批线', () => {
+    expect(resolveAssignees(base, 'sX')).toEqual({ riskReviewerId: 'r-default', managerId: 'm-default' });
+  });
+
+  it('未启用 → 不指派', () => {
+    expect(resolveAssignees({ ...base, enabled: false }, 's1')).toEqual({ riskReviewerId: null, managerId: null });
+  });
+});

src/strategy/approvalRules.ts

@@ -35,6 +35,24 @@ export interface ApprovalRule {
   readonly conditions: readonly ApprovalCondition[];
 }
 
+/** 审批人指派——单条审批线（某销售 → 指定风控/管理层）。 */
+export interface ApprovalLine {
+  readonly salesId: string;
+  readonly riskReviewerId: string | null;
+  readonly managerId: string | null;
+}
+
+/** 审批人指派配置（按销售归属）。 */
+export interface ApprovalAssignment {
+  /** 是否启用指派（关闭时不指派，任何同角色都可处理）。 */
+  readonly enabled: boolean;
+  /** 默认审批线（未匹配到销售时兜底）。 */
+  readonly defaultRiskReviewerId: string | null;
+  readonly defaultManagerId: string | null;
+  /** 按销售归属的审批线。 */
+  readonly lines: readonly ApprovalLine[];
+}
+
 /** 审批流程配置。 */
 export interface ApprovalConfig {
   /** 无规则命中时是否需要管理层审批（兜底）。 */
@@ -47,6 +65,8 @@ export interface ApprovalConfig {
   readonly rejectTo: 'origin' | 'risk';
   /** 有序规则集（按顺序匹配，第一条命中生效）。 */
   readonly rules: readonly ApprovalRule[];
+  /** 审批人指派（按销售归属审批线，软约束）。 */
+  readonly assignment: ApprovalAssignment;
 }
 
 /** 评估上下文（供规则匹配）。 */
@@ -83,8 +103,27 @@ export const DEFAULT_APPROVAL_CONFIG: ApprovalConfig = {
     { id: 'rule-bigcontract', name: '合同额≥100万必过管理层', enabled: true, requireManagement: true, conditions: [{ field: 'contractAmount', op: '>=', value: 1000000 }] },
     { id: 'rule-lowrisk', name: '低风险且达标→风控终批', enabled: true, requireManagement: false, conditions: [{ field: 'riskGrade', op: '<=', value: '中' }] },
   ],
+  assignment: {
+    enabled: false,
+    defaultRiskReviewerId: null,
+    defaultManagerId: null,
+    lines: [],
+  },
 };
 
+/** 按销售归属解析该项目的指定审批人（风控/管理层）；未匹配用默认线。 */
+export function resolveAssignees(
+  assignment: ApprovalAssignment,
+  salesId: string | undefined,
+): { riskReviewerId: string | null; managerId: string | null } {
+  if (!assignment.enabled) return { riskReviewerId: null, managerId: null };
+  const line = salesId !== undefined ? assignment.lines.find((l) => l.salesId === salesId) : undefined;
+  return {
+    riskReviewerId: line?.riskReviewerId ?? assignment.defaultRiskReviewerId,
+    managerId: line?.managerId ?? assignment.defaultManagerId,
+  };
+}
+
 /** 取条件左值（从上下文）。riskGrade 转为序号以支持数值比较。 */
 function leftValue(field: ApprovalField, ctx: ApprovalContext): string | number | boolean | undefined {
   switch (field) {

web/src/api/client.ts

@@ -471,6 +471,8 @@ export interface AssessmentDetailResponse {
   readonly profitabilityInputs?: ProfitabilityInputs | null;
   /** 评估有效期（到期需重新评估）。 */
   readonly expiresAt?: string | null;
+  /** 审批人指派（按审批线，软约束）。 */
+  readonly assignment?: { riskReviewerName: string | null; managerName: string | null } | null;
 }
 
 /** 获取单条评估详情。 */
@@ -861,12 +863,38 @@ export interface ApprovalRule {
   requireManagement: boolean;
   conditions: ApprovalCondition[];
 }
+export interface ApprovalLine {
+  salesId: string;
+  riskReviewerId: string | null;
+  managerId: string | null;
+}
+export interface ApprovalAssignment {
+  enabled: boolean;
+  defaultRiskReviewerId: string | null;
+  defaultManagerId: string | null;
+  lines: ApprovalLine[];
+}
 export interface ApprovalConfig {
   defaultRequireManagement: boolean;
   slaRiskHours: number;
   slaMgmtHours: number;
   rejectTo: 'origin' | 'risk';
   rules: ApprovalRule[];
+  assignment: ApprovalAssignment;
+}
+
+/** 审批人指派记录。 */
+export interface AssignmentRecord {
+  assessmentId: string;
+  riskReviewerId: string | null;
+  riskReviewerName: string | null;
+  managerId: string | null;
+  managerName: string | null;
+}
+
+/** 全部评估的审批人指派（assessmentId → 记录）。 */
+export async function fetchAssignments(): Promise<Record<string, AssignmentRecord>> {
+  return request<Record<string, AssignmentRecord>>('GET', '/api/assignments');
 }
 
 /** 读取审批流程配置。 */

web/src/pages/AssessmentDetail.tsx

@@ -214,6 +214,7 @@ export function AssessmentDetail(): JSX.Element {
   }
   const [status, setStatus] = useState<WorkflowStatus>('pending_risk_review');
   const [auditLog, setAuditLog] = useState<AuditLogEntry[]>([]);
+  const [assignment, setAssignment] = useState<{ riskReviewerName: string | null; managerName: string | null } | null>(null);
   const [actionLoading, setActionLoading] = useState(false);
   const [reloadKey, setReloadKey] = useState(0);
   const [comment, setComment] = useState('');
@@ -248,6 +249,7 @@ export function AssessmentDetail(): JSX.Element {
         if (cancelled) return;
         setStatus(data.status);
         setAuditLog(data.auditLog);
+        setAssignment(data.assignment ?? null);
         setProfitability(data.profitability ?? null);
         setProfitabilityInputs(data.profitabilityInputs ?? null);
         setExpiresAt(data.expiresAt ?? null);
@@ -630,6 +632,18 @@ export function AssessmentDetail(): JSX.Element {
         );
       })()}
 
+      {/* 指派审批人（按审批线） */}
+      {assignment !== null && (assignment.riskReviewerName !== null || assignment.managerName !== null) && (
+        <div style={{ display: 'flex', alignItems: 'center', gap: `${space(3)}px`, flexWrap: 'wrap', padding: `${space(2)}px ${space(3)}px`, marginBottom: `${space(3)}px`, backgroundColor: colorVar('color.bg.surface'), border: `1px solid ${colorVar('color.border.default')}`, borderRadius: `${RADIUS.md}px` }}>
+          <span style={{ display: 'inline-flex', alignItems: 'center', gap: 6, ...typographyStyle('caption'), color: colorVar('color.text.secondary'), fontWeight: 700 }}>
+            <Icon name="user" size={14} /> 指派审批人
+          </span>
+          <span style={{ ...typographyStyle('caption'), color: colorVar('color.text.primary') }}>风控：<strong>{assignment.riskReviewerName ?? '未指派'}</strong></span>
+          <span style={{ ...typographyStyle('caption'), color: colorVar('color.text.primary') }}>管理层：<strong>{assignment.managerName ?? '未指派'}</strong></span>
+          <span style={{ ...typographyStyle('caption'), color: colorVar('color.text.secondary') }}>（软约束：同角色其他人亦可代审）</span>
+        </div>
+      )}
+
       {/* 操作记录（时间线,默认折叠） */}
       <Collapsible title="操作记录" subtitle={`审批流程全程留痕 · ${auditLog.length} 条`}>
         <AuditTimeline auditLog={auditLog} meta={meta} />

web/src/pages/Dashboard.tsx

@@ -17,8 +17,8 @@ import {
   space,
   typographyStyle,
 } from '../design-system/components/styles.js';
-import { fetchAssessmentsPage, fetchSummary, archiveAssessment, applyCalibration, listDrafts, deleteDraftApi, API_BASE } from '../api/client.js';
-import type { AssessmentListItem, WorkflowStatus, DraftItem } from '../api/client.js';
+import { fetchAssessmentsPage, fetchSummary, archiveAssessment, applyCalibration, listDrafts, deleteDraftApi, fetchAssignments, API_BASE } from '../api/client.js';
+import type { AssessmentListItem, WorkflowStatus, DraftItem, AssignmentRecord } from '../api/client.js';
 import { useAuthStore } from '../stores/authStore.js';
 import { GuideBanner } from '../app/Guidance.js';
 import { RiskBadge } from '../charts/index.js';
@@ -104,6 +104,9 @@ export function Dashboard(): JSX.Element {
 
   // 待办列表
   const [todoItems, setTodoItems] = useState<AssessmentListItem[]>([]);
+  // 审批人指派（assessmentId → 记录）；待办软过滤用。
+  const [assignments, setAssignments] = useState<Record<string, AssignmentRecord>>({});
+  const [onlyMine, setOnlyMine] = useState(true);
   // 草稿箱（销售：未运行/未提交的向导进度，服务端持久化）
   const [drafts, setDrafts] = useState<DraftItem[]>([]);
   // 统计
@@ -160,6 +163,12 @@ export function Dashboard(): JSX.Element {
     } else {
       setDrafts([]);
     }
+    // 审批人指派（风控/管理层待办软过滤用）。
+    if (role === '风控' || role === '管理层') {
+      fetchAssignments().then(setAssignments).catch(() => setAssignments({}));
+    } else {
+      setAssignments({});
+    }
   }, [role, user?.username]);
 
   /** 删除一条草稿并刷新草稿箱。 */
@@ -507,13 +516,47 @@ export function Dashboard(): JSX.Element {
         </div>
       )}
 
-      {todoItems.length > 0 && (
-        <div style={{ marginBottom: `${space(4)}px` }}>
-          <Card title={`待处理 (${todoCount})`}>
-            <Table columns={columns} data={todoItems} getRowKey={(row) => row.id} caption={`${role} 待处理列表`} emptyMessage="当前没有需要你处理的评估" />
-          </Card>
-        </div>
-      )}
+      {todoItems.length > 0 && (() => {
+        const myName = user?.username;
+        const assignedToMe = (id: string): boolean => {
+          const a = assignments[id];
+          if (a === undefined) return false;
+          return role === '风控' ? a.riskReviewerName === myName : role === '管理层' ? a.managerName === myName : false;
+        };
+        const isAssigned = (id: string): boolean => {
+          const a = assignments[id];
+          if (a === undefined) return false;
+          return role === '风控' ? a.riskReviewerName !== null : role === '管理层' ? a.managerName !== null : false;
+        };
+        // 软约束：默认只看分给我的；未指派的也展示（避免遗漏）。
+        const shown = onlyMine ? todoItems.filter((t) => assignedToMe(t.id) || !isAssigned(t.id)) : todoItems;
+        const assignCol: TableColumn<AssessmentListItem> = {
+          key: 'assignee',
+          header: '指派审批人',
+          render: (r) => {
+            const a = assignments[r.id];
+            const name = a !== undefined ? (role === '管理层' ? a.managerName : a.riskReviewerName) : null;
+            if (name === null || name === undefined) return <span style={{ color: colorVar('color.text.secondary') }}>未指派</span>;
+            const mine = name === myName;
+            return <span style={{ ...typographyStyle('caption'), fontWeight: 600, color: mine ? '#15803D' : colorVar('color.text.primary') }}>{name}{mine ? '（我）' : ''}</span>;
+          },
+        };
+        const todoColumns = [...columns.slice(0, -1), assignCol, columns[columns.length - 1]!];
+        return (
+          <div style={{ marginBottom: `${space(4)}px` }}>
+            <Card title={
+              <div style={{ display: 'flex', alignItems: 'center', justifyContent: 'space-between', flexWrap: 'wrap', gap: `${space(2)}px` }}>
+                <span>待处理 ({shown.length})</span>
+                <label style={{ display: 'inline-flex', alignItems: 'center', gap: 6, ...typographyStyle('caption'), color: colorVar('color.text.secondary'), fontWeight: 400 }}>
+                  <input type="checkbox" checked={onlyMine} onChange={(e) => setOnlyMine(e.target.checked)} /> 只看分给我的（含未指派）
+                </label>
+              </div>
+            }>
+              <Table columns={todoColumns} data={shown} getRowKey={(row) => row.id} caption={`${role} 待处理列表`} emptyMessage={onlyMine ? '没有分给你的待处理项（可取消勾选查看全部）' : '当前没有需要你处理的评估'} />
+            </Card>
+          </div>
+        );
+      })()}
 
       {role === '商务/销售' && drafts.length > 0 && (
         <div style={{ marginBottom: `${space(4)}px` }}>

web/src/pages/WorkflowManagement.tsx

@@ -9,8 +9,9 @@ import { useCallback, useEffect, useState } from 'react';
 import { colorVar, FONT_FAMILY, RADIUS, SHADOW, space, typographyStyle } from '../design-system/components/styles.js';
 import { Card, Icon } from '../design-system/index.js';
 import {
-  fetchApprovalConfig, saveApprovalConfig,
+  fetchApprovalConfig, saveApprovalConfig, listUsers,
   type ApprovalConfig, type ApprovalRule, type ApprovalCondition, type ApprovalField, type ApprovalOp,
+  type ApprovalLine, type UserItem,
 } from '../api/client.js';
 
 const FIELD_META: Record<ApprovalField, { label: string; kind: 'grade' | 'number' | 'accept' | 'bool' | 'biz'; unit?: string }> = {
@@ -39,6 +40,7 @@ function defaultValueFor(field: ApprovalField): string | number | boolean {
 
 export function WorkflowManagement(): JSX.Element {
   const [config, setConfig] = useState<ApprovalConfig | null>(null);
+  const [users, setUsers] = useState<UserItem[]>([]);
   const [loading, setLoading] = useState(true);
   const [saving, setSaving] = useState(false);
   const [error, setError] = useState<string | null>(null);
@@ -46,7 +48,10 @@ export function WorkflowManagement(): JSX.Element {
 
   const load = useCallback(() => {
     setLoading(true);
-    fetchApprovalConfig().then(setConfig).catch((e: unknown) => setError(e instanceof Error ? e.message : '加载失败')).finally(() => setLoading(false));
+    Promise.all([fetchApprovalConfig(), listUsers().catch(() => [])])
+      .then(([cfg, us]) => { setConfig(cfg); setUsers(us); })
+      .catch((e: unknown) => setError(e instanceof Error ? e.message : '加载失败'))
+      .finally(() => setLoading(false));
   }, []);
   useEffect(() => { load(); }, [load]);
 
@@ -82,6 +87,21 @@ export function WorkflowManagement(): JSX.Element {
     setConfig((c) => c ? { ...c, rules: c.rules.map((r, i) => i !== ri ? r : { ...r, conditions: r.conditions.filter((_, j) => j !== ci) }) } : c);
   }
 
+  /* ---- 审批人指派（审批线） ---- */
+  function patchAssign(p: Partial<ApprovalConfig['assignment']>): void {
+    setConfig((c) => (c ? { ...c, assignment: { ...c.assignment, ...p } } : c));
+  }
+  function addLine(): void {
+    const firstSales = users.find((u) => u.role === '商务/销售');
+    setConfig((c) => c ? { ...c, assignment: { ...c.assignment, lines: [...c.assignment.lines, { salesId: firstSales?.id ?? '', riskReviewerId: null, managerId: null }] } } : c);
+  }
+  function patchLine(idx: number, p: Partial<ApprovalLine>): void {
+    setConfig((c) => c ? { ...c, assignment: { ...c.assignment, lines: c.assignment.lines.map((l, i) => i === idx ? { ...l, ...p } : l) } } : c);
+  }
+  function removeLine(idx: number): void {
+    setConfig((c) => c ? { ...c, assignment: { ...c.assignment, lines: c.assignment.lines.filter((_, i) => i !== idx) } } : c);
+  }
+
   async function handleSave(): Promise<void> {
     if (config === null) return;
     setSaving(true); setError(null);
@@ -96,6 +116,12 @@ export function WorkflowManagement(): JSX.Element {
     backgroundColor: colorVar('color.bg.canvas'), color: colorVar('color.text.primary'),
   };
 
+  const lbl: React.CSSProperties = { ...typographyStyle('caption'), color: colorVar('color.text.secondary'), marginBottom: 2 };
+  function userOpts(role: UserItem['role']): JSX.Element[] {
+    const opts = users.filter((u) => u.role === role && u.active).map((u) => <option key={u.id} value={u.id}>{u.username}（{u.displayName ?? role}）</option>);
+    return [<option key="" value="">未指定</option>, ...opts];
+  }
+
   function valueEditor(cd: ApprovalCondition, onChange: (v: string | number | boolean) => void): JSX.Element {
     const kind = FIELD_META[cd.field].kind;
     if (kind === 'grade') return <select style={input} value={String(cd.value)} onChange={(e) => onChange(e.target.value)}>{GRADES.map((g) => <option key={g} value={g}>{g}</option>)}</select>;
@@ -150,7 +176,44 @@ export function WorkflowManagement(): JSX.Element {
             </div>
           </Card>
 
-          {/* 规则列表 */}
+          {/* 审批人指派（审批线，软约束） */}
+          <div style={{ marginTop: `${space(4)}px` }}>
+            <Card title={
+              <div style={{ display: 'flex', alignItems: 'center', justifyContent: 'space-between' }}>
+                <span>审批人指派 · 审批线（按销售归属）</span>
+                <label style={{ display: 'inline-flex', alignItems: 'center', gap: 6, ...typographyStyle('caption'), color: colorVar('color.text.secondary'), fontWeight: 400 }}>
+                  <input type="checkbox" checked={config.assignment.enabled} onChange={(e) => patchAssign({ enabled: e.target.checked })} /> 启用指派
+                </label>
+              </div>
+            }>
+              <p style={{ ...typographyStyle('caption'), color: colorVar('color.text.secondary'), margin: `0 0 ${space(3)}px`, lineHeight: 1.7 }}>
+                为每个销售指定固定的风控审批人与管理层审批人——提交时按此指派。<strong>软约束</strong>：待办默认只显示分给本人的，同角色其他人仍可代审（互为备份）。未配置的销售走「默认审批线」。
+                {!config.assignment.enabled && <span style={{ color: '#B45309' }}>（当前未启用：任何同角色都可处理，不指派。）</span>}
+              </p>
+
+              {/* 默认审批线 */}
+              <div style={{ display: 'grid', gridTemplateColumns: '120px 1fr 1fr', gap: `${space(2)}px`, alignItems: 'center', padding: `${space(2)}px`, backgroundColor: colorVar('color.bg.surface'), borderRadius: `${RADIUS.md}px`, marginBottom: `${space(2)}px` }}>
+                <span style={{ ...typographyStyle('caption'), fontWeight: 700, color: colorVar('color.text.secondary') }}>默认审批线</span>
+                <div><div style={lbl}>风控审批人</div><select style={{ ...input, width: '100%' }} value={config.assignment.defaultRiskReviewerId ?? ''} onChange={(e) => patchAssign({ defaultRiskReviewerId: e.target.value || null })}>{userOpts('风控')}</select></div>
+                <div><div style={lbl}>管理层审批人</div><select style={{ ...input, width: '100%' }} value={config.assignment.defaultManagerId ?? ''} onChange={(e) => patchAssign({ defaultManagerId: e.target.value || null })}>{userOpts('管理层')}</select></div>
+              </div>
+
+              {/* 每个销售一条线 */}
+              <div style={{ display: 'flex', flexDirection: 'column', gap: `${space(2)}px` }}>
+                {config.assignment.lines.map((ln, i) => (
+                  <div key={i} style={{ display: 'grid', gridTemplateColumns: '120px 1fr 1fr 32px', gap: `${space(2)}px`, alignItems: 'end' }}>
+                    <div><div style={lbl}>销售</div><select style={{ ...input, width: '100%' }} value={ln.salesId} onChange={(e) => patchLine(i, { salesId: e.target.value })}>{userOpts('商务/销售')}</select></div>
+                    <div><div style={lbl}>风控审批人</div><select style={{ ...input, width: '100%' }} value={ln.riskReviewerId ?? ''} onChange={(e) => patchLine(i, { riskReviewerId: e.target.value || null })}>{userOpts('风控')}</select></div>
+                    <div><div style={lbl}>管理层审批人</div><select style={{ ...input, width: '100%' }} value={ln.managerId ?? ''} onChange={(e) => patchLine(i, { managerId: e.target.value || null })}>{userOpts('管理层')}</select></div>
+                    <button onClick={() => removeLine(i)} title="删除审批线" style={{ ...iconBtn, color: colorVar('color.risk.critical') }}><Icon name="close" size={15} /></button>
+                  </div>
+                ))}
+              </div>
+              <button onClick={addLine} style={{ marginTop: `${space(2)}px`, display: 'inline-flex', alignItems: 'center', gap: 4, border: 'none', background: 'none', color: colorVar('color.brand.primary'), cursor: 'pointer', ...typographyStyle('caption'), fontWeight: 600 }}>
+                <Icon name="plus" size={13} /> 添加审批线
+              </button>
+            </Card>
+          </div>
           <div style={{ marginTop: `${space(4)}px`, display: 'flex', alignItems: 'center', justifyContent: 'space-between' }}>
             <h2 style={{ ...typographyStyle('title'), margin: 0, color: colorVar('color.text.primary') }}>审批规则（按顺序匹配，{config.rules.length}）</h2>
             <button onClick={addRule} style={{ display: 'inline-flex', alignItems: 'center', gap: 6, padding: `${space(1)}px ${space(3)}px`, borderRadius: `${RADIUS.md}px`, border: `1px solid ${colorVar('color.brand.primary')}`, background: 'transparent', color: colorVar('color.brand.primary'), cursor: 'pointer', fontWeight: 600, ...typographyStyle('caption') }}>