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

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') }}>