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

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) {