fix: 移除规避率30%打折，已解决风险直接用预估损失作为规避价值

- 后端移除 RISK_AVOIDANCE_RATE，adjustedLossAvoided = lossAvoided
- 前端移除规避率列和30%说明，表格直接展示预估损失=规避损失
- 价值计算说明更新：系统已发现并解决，全部潜在损失即为规避价值

backend/src/services/risk.service.ts

@@ -1630,8 +1630,6 @@ export async function getAnnualValueReport(orgId: string, year: number) {
     }),
   ])
 
-  const RISK_AVOIDANCE_RATE = 0.3
-
   // 按身份证号去重（同一人可能有多条 Employee 记录），无身份证号时回退到 employeeId
   // 同时按风险类型去重（同一风险被重复创建解决多次，只取 estimatedLoss 最大的一条）
   const personBreakdown: Record<string, {
@@ -1712,7 +1710,7 @@ export async function getAnnualValueReport(orgId: string, year: number) {
         department: p.department,
         riskCount: details.length,
         lossAvoided,
-        adjustedLoss: Math.round(lossAvoided * RISK_AVOIDANCE_RATE),
+        adjustedLoss: lossAvoided,
         details,
       }
     })
@@ -1730,10 +1728,10 @@ export async function getAnnualValueReport(orgId: string, year: number) {
   }))
 
   // 价值计算
-  // 1. 规避损失 = 已解决风险的预估损失之和 × 0.3（规避率30%，非每项风险都会演变为实际仲裁）
+  // 1. 规避损失 = 已解决风险的预估损失之和（系统已发现并解决，全部潜在损失即为规避价值）
   // 2. 节约工时 = AI 查询 * 0.5h + 合同审查 * 1h + 算薪批次 * 2h + 制度公示 * 1h
   // 3. 节约成本 = 节约工时 * 100 元/h（HR 平均时薪）
-  const adjustedLossAvoided = Math.round(lossAvoided * RISK_AVOIDANCE_RATE)
+  const adjustedLossAvoided = lossAvoided
   const aiTimeSaved = aiConversations * 0.5 + aiReviews * 1.0
   const payrollTimeSaved = payrollBatches * 2.0
   const policyTimeSaved = policiesPublished * 1.0
@@ -1741,7 +1739,7 @@ export async function getAnnualValueReport(orgId: string, year: number) {
   const timeSaved = Math.round(aiTimeSaved + payrollTimeSaved + policyTimeSaved + contractTimeSaved)
   const costSaved = timeSaved * 100
 
-  // 总价值 = 规避损失（打折后） + 节约成本
+  // 总价值 = 规避损失 + 节约成本
   const totalValue = adjustedLossAvoided + costSaved
 
   // ROI = 总价值 / 系统成本（年费 12000 元），上限 9999%

frontend/src/pages/tools/AnnualValueReport.tsx

@@ -231,9 +231,7 @@ export default function AnnualValueReport() {
                   <th className="text-left py-2 px-2 font-medium">员工</th>
                   <th className="text-left py-2 px-2 font-medium">部门</th>
                   <th className="text-center py-2 px-2 font-medium">风险数</th>
-                  <th className="text-right py-2 px-2 font-medium">原始损失</th>
+                  <th className="text-right py-2 px-2 font-medium">预估损失</th>
-                  <th className="text-right py-2 px-2 font-medium">规避率</th>
-                  <th className="text-right py-2 px-2 font-medium">规避损失(×30%)</th>
                   <th className="text-left py-2 px-2 font-medium">风险明细</th>
                 </tr>
               </thead>
@@ -243,8 +241,6 @@ export default function AnnualValueReport() {
                     <td className="py-2 px-2 font-medium">{emp.name}</td>
                     <td className="py-2 px-2 text-gray-600">{emp.department}</td>
                     <td className="py-2 px-2 text-center">{emp.riskCount}</td>
-                    <td className="py-2 px-2 text-right text-gray-600">¥{emp.lossAvoided.toLocaleString()}</td>
-                    <td className="py-2 px-2 text-right text-gray-400">30%</td>
                     <td className="py-2 px-2 text-right font-bold text-safe">¥{emp.adjustedLoss.toLocaleString()}</td>
                     <td className="py-2 px-2">
                       <div className="space-y-0.5">
@@ -264,9 +260,7 @@ export default function AnnualValueReport() {
               </tbody>
               <tfoot>
                 <tr className="border-t-2 border-gray-200 font-bold">
-                  <td className="py-2 px-2" colSpan={3}>合计</td>
+                  <td className="py-2 px-2" colSpan={2}>合计</td>
-                  <td className="py-2 px-2 text-right">¥{(report.lossAvoided || 0).toLocaleString()}</td>
-                  <td className="py-2 px-2"></td>
                   <td className="py-2 px-2 text-right text-safe">¥{(report.adjustedLossAvoided || 0).toLocaleString()}</td>
                   <td className="py-2 px-2"></td>
                 </tr>
@@ -282,7 +276,7 @@ export default function AnnualValueReport() {
         <div className="space-y-1 text-xs text-gray-600">
           <div className="flex items-start gap-1.5">
             <span className="w-1.5 h-1.5 rounded-full bg-safe mt-1 flex-shrink-0" />
-            <span><b>规避损失</b>：已解决风险的预估损失之和 × 30%规避率（依据《劳动合同法》量化模型，单条上限按法定标准封顶）</span>
+            <span><b>规避损失</b>：已解决风险的预估损失之和（系统已发现并解决，全部潜在损失即为规避价值，依据《劳动合同法》量化模型，单条上限按法定标准封顶）</span>
           </div>
           <div className="flex items-start gap-1.5">
             <span className="w-1.5 h-1.5 rounded-full bg-blue-500 mt-1 flex-shrink-0" />
@@ -294,7 +288,7 @@ export default function AnnualValueReport() {
           </div>
           <div className="flex items-start gap-1.5">
             <span className="w-1.5 h-1.5 rounded-full bg-amber-500 mt-1 flex-shrink-0" />
-            <span><b>总价值</b>：规避损失（打折后） + 节约成本</span>
+            <span><b>总价值</b>：规避损失 + 节约成本</span>
           </div>
           <div className="flex items-start gap-1.5">
             <span className="w-1.5 h-1.5 rounded-full bg-gray-400 mt-1 flex-shrink-0" />