From 35948729cf703a90403ee18c6753ed46900a5a25 Mon Sep 17 00:00:00 2001
From: shunli <shunli@qq.com>
Date: Tue, 28 Jul 2026 13:42:48 +0800
Subject: [PATCH] =?UTF-8?q?=E4=BF=AE=E6=AD=A3CEO=E6=8A=A5=E9=94=80?=
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---
 .trellis/spec/hyb-oa/deployment-trialrun.md   |  53 ++-
 .../07-28-ceo-finance-fallback/check.jsonl    |   1 +
 .../07-28-ceo-finance-fallback/design.md      |  63 ++++
 .../implement.jsonl                           |   1 +
 .../07-28-ceo-finance-fallback/implement.md   |  45 +++
 .../tasks/07-28-ceo-finance-fallback/prd.md   |  69 ++++
 .../07-28-ceo-finance-fallback/task.json      |  26 ++
 client/src/api/approvalRules.ts               |   2 +-
 client/src/pages/ApprovalRulesPage.tsx        |  16 +-
 .../e2e/pc-finance-admin-visual-wave4.spec.ts |  15 +-
 deploy/trialrun/checklist.md                  |   2 +-
 deploy/trialrun/deploy.sh                     |  33 +-
 deploy/trialrun/runbook.md                    |   4 +-
 deploy/trialrun/validate-env-contract.js      |  10 +-
 docs/trialrun/真机公网测试清单.md             |   4 +-
 docs/产品口径.md                              |  16 +-
 docs/文档事实源状态矩阵.md                    |   2 +-
 docs/文档索引.md                              |   5 +-
 docs/管理员手册.md                            |   9 +-
 docs/需求-统一审批中心规约.md                 |  12 +-
 scripts/qa/run-backup-restore-drill.sh        |  24 ++
 server/package.json                           |   1 +
 server/src/routes/approvalRules.js            |   8 +-
 .../src/scripts/apply-ceo-finance-fallback.js | 303 ++++++++++++++++++
 server/src/scripts/seed-config.js             |  41 ++-
 server/src/utils/workflow.js                  |   4 +-
 .../routes/approvalRules.permissions.test.js  |  70 +++-
 .../reimbursements.expense-standards.test.js  |  17 +-
 .../apply-ceo-finance-fallback.test.js        | 103 ++++++
 .../unit/scripts/seed-config.defaults.test.js |  67 ++++
 server/tests/unit/utils/workflow.test.js      |  28 +-
 31 files changed, 980 insertions(+), 74 deletions(-)
 create mode 100644 .trellis/tasks/07-28-ceo-finance-fallback/check.jsonl
 create mode 100644 .trellis/tasks/07-28-ceo-finance-fallback/design.md
 create mode 100644 .trellis/tasks/07-28-ceo-finance-fallback/implement.jsonl
 create mode 100644 .trellis/tasks/07-28-ceo-finance-fallback/implement.md
 create mode 100644 .trellis/tasks/07-28-ceo-finance-fallback/prd.md
 create mode 100644 .trellis/tasks/07-28-ceo-finance-fallback/task.json
 create mode 100644 server/src/scripts/apply-ceo-finance-fallback.js
 create mode 100644 server/tests/unit/scripts/apply-ceo-finance-fallback.test.js
 create mode 100644 server/tests/unit/scripts/seed-config.defaults.test.js

diff --git a/.trellis/spec/hyb-oa/deployment-trialrun.md b/.trellis/spec/hyb-oa/deployment-trialrun.md
index 8eb83cdd..080684f9 100644
--- a/.trellis/spec/hyb-oa/deployment-trialrun.md
+++ b/.trellis/spec/hyb-oa/deployment-trialrun.md
@@ -608,9 +608,10 @@ curl -fsS "http://127.0.0.1:${SERVER_HOST_PORT}/ready"
 ### 1. Scope / Trigger
 
 - Trigger: changing Compose identity, host data mounts, database publication,
-  deployment entrypoints or operational timers.
+  deployment entrypoints, deployment-time seeds or operational timers.
 - Purpose: ensure one approved Compose project owns one verified DB/storage pair
-  without fixed global container names or accidental shared PGDATA.
+  without fixed global container names, source synchronization touching runtime
+  data, or deployment seeds overwriting approved production rules.
 
 ### 2. Signatures
 
@@ -618,7 +619,10 @@ curl -fsS "http://127.0.0.1:${SERVER_HOST_PORT}/ready"
 - PostgreSQL mount: `${POSTGRES_DATA_DIR:-./data/postgres}`.
 - Application storage mount: `${STORAGE_HOST_DIR:-./data/storage}`.
 - Formal deploy inputs: absolute `POSTGRES_DATA_DIR`, absolute
-  `STORAGE_HOST_DIR`, `DEPLOY_DATA_MODE=existing|initialize`.
+  `STORAGE_HOST_DIR`, absolute `REMOTE_DIR`, absolute `REMOTE_ENV_FILE`,
+  `DEPLOY_DATA_MODE=existing|initialize`.
+- Deployment init includes `npm run seed:config`; approval-rule defaults are
+  inserted only when `approval_rules` is empty.
 - Timer install inputs: `COMPOSE_PROJECT_NAME`, absolute
   `POSTGRES_DATA_DIR`, absolute `STORAGE_HOST_DIR`, full 40–64 hex
   `BUILD_SHA` and its exact 12-hex `VITE_BUILD_SHA` prefix.
@@ -637,6 +641,15 @@ curl -fsS "http://127.0.0.1:${SERVER_HOST_PORT}/ready"
 - Relative defaults preserve local trialrun compatibility, but production must
   use explicit absolute command inputs and verify them against active container
   mounts before any start, backup or migration.
+- `REMOTE_DIR` must not equal, contain or be contained by either production
+  data path. Validate this locally before provenance, SSH or `rsync --delete`.
+  If `REMOTE_ENV_FILE` is inside the synchronization tree, derive its actual
+  root-relative path and add explicit rsync protect/exclude filters; a fixed
+  default `.env` exclusion is insufficient.
+- Deployment-time `seed:config` may create the three default approval rules for
+  an empty database. If any approval rule exists, preserve all existing rules;
+  production rule changes require their own approved transaction, drift checks
+  and audit rows.
 - `existing` is the normal migration mode and refuses a missing PGDATA marker
   or storage directory. `initialize` is only for an approved empty first start;
   only that mode may create data directories.
@@ -673,6 +686,12 @@ curl -fsS "http://127.0.0.1:${SERVER_HOST_PORT}/ready"
   valid absolute paths remain installable.
 - Formal deploy omits paths/mode, uses a relative/broad/overlapping path, or an
   `existing` PGDATA lacks `PG_VERSION` -> fail before DB start.
+- `REMOTE_DIR` overlaps PostgreSQL or attachment storage in either direction ->
+  fail before provenance, SSH and rsync.
+- A custom `REMOTE_ENV_FILE` lies inside the sync tree without dynamic
+  protect/exclude filters -> deployment contract fails.
+- `approval_rules` contains one or more rows -> `seed:config` reports them as
+  preserved and performs no approval-rule create, update or delete.
 - New project resolves the same PGDATA while the old DB runs -> stop before
   Compose start; do not use service health as permission to continue.
 - Old project name was inferred, immutable image ID or baseline counts are
@@ -682,8 +701,11 @@ curl -fsS "http://127.0.0.1:${SERVER_HOST_PORT}/ready"
 
 - `node deploy/trialrun/validate-env-contract.js`.
 - The isolated backup/restore drill mutates Compose with a DB port and fixed
-  name and proves the contract rejects it.
+  name, invokes formal deploy with each data path nested below `REMOTE_DIR`, and
+  proves every unsafe shape is rejected before network access.
 - `bash -n` covers deploy, timer, backup and restore scripts.
+- Seed unit tests assert: an empty table receives exactly three defaults; any
+  non-empty table receives zero approval-rule writes and no delete call.
 - Timer contract assertions cover all four explicit inputs, path isolation,
   PGDATA marker, SHA/prefix validation and the four systemd `Environment=`
   entries. On the deployment host, assert timer enabled/active, daily service
@@ -693,6 +715,9 @@ curl -fsS "http://127.0.0.1:${SERVER_HOST_PORT}/ready"
 
 - Good: one approved project resolves one stopped-and-migrated PGDATA and the
   matching active storage path; deploy, timer and backup all use that identity.
+- Good: source lives under one absolute root, data lives under separate absolute
+  roots, a custom env file is protected, and existing approval rules survive
+  deployment init byte-for-byte until an approved rule transaction runs.
 - Good: the timer unit contains the current project, active mount sources and
   deployed full/short SHA pair; Compose config and a non-mutating server exec
   resolve under those exact values while the daily service stays inactive.
@@ -704,6 +729,9 @@ curl -fsS "http://127.0.0.1:${SERVER_HOST_PORT}/ready"
   the old container name alone is a rollback point.
 - Bad: reinstall the timer with only `COMPOSE_PROJECT_NAME`, allowing systemd
   Compose interpolation to fall back to repository-relative data directories.
+- Bad: place PGDATA or attachments below `REMOTE_DIR` and rely on one hard-coded
+  rsync exclusion, or delete/recreate configurable approval rules in a routine
+  deployment seed.
 
 ### 7. Wrong vs Correct
 
@@ -742,6 +770,23 @@ VITE_BUILD_SHA=<verified-12-char-prefix> \
   bash deploy/trialrun/install-warch3-ops-timer.sh install
 ```
 
+For source synchronization and approval-rule defaults:
+
+```bash
+# Wrong: runtime data sits below the --delete synchronization root, and seed
+# replaces operator-managed rules during every deployment.
+REMOTE_DIR=/srv/oa POSTGRES_DATA_DIR=/srv/oa/data/postgres \
+  bash deploy/trialrun/deploy.sh
+# seedApprovalRules: deleteMany -> createMany
+
+# Correct: data roots are disjoint; an in-tree env file is dynamically
+# protected; seed creates defaults only for an empty approval_rules table.
+REMOTE_DIR=/srv/oa-app POSTGRES_DATA_DIR=/srv/oa-data/postgres \
+STORAGE_HOST_DIR=/srv/oa-data/storage DEPLOY_DATA_MODE=existing \
+  bash deploy/trialrun/deploy.sh
+# seedApprovalRules: count > 0 -> preserve; count = 0 -> create defaults
+```
+
 ## Scenario: Paired Backup And Shadow-Only Restore
 
 ### 1. Scope / Trigger
diff --git a/.trellis/tasks/07-28-ceo-finance-fallback/check.jsonl b/.trellis/tasks/07-28-ceo-finance-fallback/check.jsonl
new file mode 100644
index 00000000..9dd3234a
--- /dev/null
+++ b/.trellis/tasks/07-28-ceo-finance-fallback/check.jsonl
@@ -0,0 +1 @@
+{"_example": "Fill with {\"file\": \"<path>\", \"reason\": \"<why>\"}. Put spec/research files only — no code paths. Run `python3 .trellis/scripts/get_context.py --mode packages` to list available specs. Delete this line once real entries are added."}
diff --git a/.trellis/tasks/07-28-ceo-finance-fallback/design.md b/.trellis/tasks/07-28-ceo-finance-fallback/design.md
new file mode 100644
index 00000000..00174156
--- /dev/null
+++ b/.trellis/tasks/07-28-ceo-finance-fallback/design.md
@@ -0,0 +1,63 @@
+# CEO 本人报销财务兜底设计
+
+## 1. Boundary
+
+本任务复用现有审批规则和工作流快照机制，不新增角色、数据表、迁移或公开端点。`finance_mgr` 保持兼容；本公司的新默认和生产规则改为 `finance`。
+
+## 2. Cross-layer Contract
+
+```text
+审批规则配置
+  ownerSelfFallbackRole: finance | finance_mgr | null
+  -> API 白名单校验
+  -> ApprovalRule 持久化
+  -> 报销提交加载规则
+  -> CEO 本人且 manager 无法解析时使用 fallback
+  -> 移除本人 ceo 节点 + 角色去重
+  -> 校验 active 非本人角色持有人
+  -> 冻结 workflow_steps_snapshot
+```
+
+创建 API、省略字段时的默认值和前端新建表单默认值统一为 `finance`。旧规则返回 `finance_mgr` 时前端仍可展示、编辑和保存，避免破坏兼容数据。
+
+## 3. Target Rule Matrix
+
+| 金额档 | 普通员工规则 | CEO 本人快照 |
+| --- | --- | --- |
+| 小额 | `manager -> finance` | `finance` |
+| 中额 | `manager -> finance` | `finance` |
+| 大额 | `manager -> ceo -> finance` | `finance` |
+
+CEO 本人快照只由现有标准步骤完成：`manager` 缺失时插入 `finance` fallback；随后相同 `finance` 节点去重，申请人自身 `ceo` 节点移除。无需添加按金额或人员姓名硬编码的特殊分支。
+
+## 4. Validation And Failure Behavior
+
+- fallback 不在 `finance|finance_mgr`：`400 VALID_001`。
+- CEO 同时持有 fallback：`409 VALID_001 / owner_self_fallback_self_role`。
+- 无 active 非本人 fallback 持有人：`409 VALID_001 / owner_self_fallback_role_unavailable`。
+- 非 CEO：不触发 owner-self fallback，保留正常规则快照。
+- 生产规则数量、金额区间或当前角色结构漂移：回填事务停止，零写入。
+
+## 5. Production Rollout
+
+1. 部署代码与前端，使 runtime 能读写 `finance` fallback；`seed:config` 对既有审批规则只保留不覆盖，避免部署提前改写生产规则。
+2. 核对公网构建号和 runtime smoke。
+3. 生产只读冻结 3 条规则、active `finance` 持有人、CEO 身份、角色/binding/历史快照计数。
+4. 单事务更新 3 条启用规则：中/大额 `finance_mgr` 节点改为 `finance`，全部 fallback 改为 `finance`；逐条写脱敏审计。
+5. 只读解析三档 CEO 快照和普通员工快照，不创建真实报销。
+
+## 6. Rollback
+
+- 代码兼容 `finance_mgr`，生产规则可在精确冻结原值后原子恢复。
+- 回滚规则只影响回滚后新提交单据；既有 `workflow_steps_snapshot` 保持不变。
+- 任一生产检查失败时先回滚规则，不改员工角色或历史单据。
+
+## 6.1 Seed Safety
+
+- 空库首次初始化时创建三条新默认规则。
+- 只要审批规则表已有任意记录，`seed:config` 保留全部既有规则，不删除、不覆盖、不补写；生产规则只允许走获批的独立原子事务。
+- 部署日志只记录创建/保留计数，不输出规则 ID、人员或业务内容。
+
+## 7. Trade-off
+
+不采用“给现有财务追加 `finance_mgr`”方案，因为该角色同时包含主数据、预算、集成、AI、资产和薪酬等更宽权限，超出“审批 CEO 本人报销”的最小职责。允许 `finance` 作为兜底能复用已有 `expense.approve`，权限面更小。
diff --git a/.trellis/tasks/07-28-ceo-finance-fallback/implement.jsonl b/.trellis/tasks/07-28-ceo-finance-fallback/implement.jsonl
new file mode 100644
index 00000000..9dd3234a
--- /dev/null
+++ b/.trellis/tasks/07-28-ceo-finance-fallback/implement.jsonl
@@ -0,0 +1 @@
+{"_example": "Fill with {\"file\": \"<path>\", \"reason\": \"<why>\"}. Put spec/research files only — no code paths. Run `python3 .trellis/scripts/get_context.py --mode packages` to list available specs. Delete this line once real entries are added."}
diff --git a/.trellis/tasks/07-28-ceo-finance-fallback/implement.md b/.trellis/tasks/07-28-ceo-finance-fallback/implement.md
new file mode 100644
index 00000000..21edb6dd
--- /dev/null
+++ b/.trellis/tasks/07-28-ceo-finance-fallback/implement.md
@@ -0,0 +1,45 @@
+# CEO 本人报销财务兜底实施计划
+
+## 1. Implementation
+
+- [x] 扩展后端 owner-self fallback 白名单为 `finance|finance_mgr`，创建默认值改为 `finance`。
+- [x] 将三档种子默认规则统一为财务 `finance` 收口，保留大额 `ceo` 节点。
+- [x] 更新前端 API 类型、创建/编辑选项、默认值和推荐文案；兼容展示 `finance_mgr`。
+- [x] 更新工作流、规则 API、报销提交回归测试，覆盖 CEO 三档唯一 `finance`、普通员工链、自审、无持有人和 legacy `finance_mgr`。
+- [x] 修正 `seed:config` 对既有审批规则的删除重建副作用；仅空库创建默认规则，生产既有规则保留到独立原子回填阶段。
+- [x] 新增默认 dry-run、双确认 apply 的生产规则回填脚本；事务内锁定并校验三档规则、CEO/财务/admin/binding 基线，更新三条规则、写三条脱敏审计并复核受保护计数。
+- [x] 更新当前业务事实源，区分目标、代码部署和生产规则回填状态。
+
+## 2. Local Validation
+
+- [x] `cd server && node --check src/utils/workflow.js && node --check src/routes/approvalRules.js && node --check src/scripts/seed-config.js && node --check src/scripts/apply-ceo-finance-fallback.js`
+- [x] `cd server && npx vitest run tests/unit/utils/workflow.test.js tests/unit/routes/approvalRules.permissions.test.js tests/unit/routes/reimbursements.expense-standards.test.js tests/unit/scripts/seed-config.defaults.test.js tests/unit/scripts/apply-ceo-finance-fallback.test.js`（58 项通过）
+- [x] `cd server && npm run prisma:validate`
+- [x] `cd client && npm run typecheck && npm run build`
+- [x] `node scripts/qa/check-process-contract.mjs --baseline --json`
+- [x] `node scripts/qa/audit-docs.mjs --check-registry`（0 error，保留既有 22 个未注册文档 warning）
+- [x] `python3 ./.trellis/scripts/task.py validate 07-28-ceo-finance-fallback`
+- [x] `node scripts/qa/check-trellis-governance.mjs && git diff --check`
+- [x] `bash scripts/check-minimal.sh`（167 个测试文件、1053 项后端测试、前端 build 与矩阵门禁通过）
+
+## 3. Review Gate
+
+- [x] 只读 review 权限白名单、自审阻断、普通员工链、历史快照不回写、API/UI 类型一致性和生产事务边界；发现并修复部署 seed 提前覆盖规则问题后复核无剩余阻断。
+
+## 4. Deployment And Production Apply
+
+- [ ] 提交并推送已验证代码。
+- [x] 修复部署脚本已知的数据目录保护缺陷：同步根目录与数据目录任一方向重叠时在 SSH 前阻断，自定义同步树内 `.env` 动态保护；隔离备份/恢复合同通过。
+- [ ] 部署后核对 `/ready` 构建号、migration 状态、runtime smoke、external deps smoke 和前端 bundle。
+- [ ] 生产只读冻结规则结构、active `finance`、CEO、角色、binding、历史快照和审计基线。
+- [ ] 原子更新恰好 3 条启用规则并逐条写脱敏审计；任一预条件漂移则零写入停止。
+- [ ] 只读解析 CEO 小/中/大额快照均为唯一 `finance`，普通员工链符合目标；不创建真实报销。
+- [ ] 复核无角色、主管、binding、历史快照或企微写入变化。
+
+## 5. Stop Conditions
+
+- 生产 active `finance` 不是唯一非 CEO 持有人，或目标人员 inactive/unbound。
+- 启用规则不是恰好 3 条，金额区间或角色结构与冻结基线不符。
+- 部署路径仍可能删除 `.env`、附件或数据库宿主目录。
+- 任一测试出现自审、管理员代批、历史快照重写或普通员工链异常。
+- 真实 CEO 报销验证未取得单独批准。
diff --git a/.trellis/tasks/07-28-ceo-finance-fallback/prd.md b/.trellis/tasks/07-28-ceo-finance-fallback/prd.md
new file mode 100644
index 00000000..755ace57
--- /dev/null
+++ b/.trellis/tasks/07-28-ceo-finance-fallback/prd.md
@@ -0,0 +1,69 @@
+# CEO 本人报销财务兜底修正
+
+## Goal
+
+让 `majianyong(ceo)` 本人提交任一金额档报销时，在禁止自审的前提下只进入 active 非本人 `finance` 审批；`wangshunli` 的系统管理员身份不进入业务审批链，也不通过给现有财务附加 `finance_mgr` 扩权来绕过问题。
+
+## Scope
+
+- 报销审批工作流的负责人本人 fallback 白名单、快照解析和失败关闭行为。
+- 审批规则 API、前端配置页与三档默认种子规则的 `finance` 默认值和 `finance_mgr` 兼容。
+- 部署同步根目录与 PostgreSQL、附件和环境文件的安全隔离合同。
+- 经部署与公网验证后，对生产恰好 3 条启用报销规则进行一次原子回填和脱敏审计。
+
+## Background
+
+- 用户确认 `majianyong` 是公司 CEO、无直属主管；`wangshunli` 仅承担系统开发和系统管理。
+- 生产有 3 条启用报销金额规则，均使用 `owner_self_fallback_role=finance_mgr`，中/大额规则还包含 `finance_mgr` 节点。
+- 生产有 1 名 active 且已绑定企微的 `finance`，没有 active `finance_mgr`；当前 CEO 本人报销会以 `owner_self_fallback_role_unavailable` 失败关闭。
+- 代码、审批规则 API、前端配置页和种子默认值目前只把 `finance_mgr` 作为负责人本人兜底角色。
+- 现有工作流已具备 CEO 自审节点移除、重复角色去重、active 非本人持有人检查和历史审批快照冻结能力。
+
+## Requirements
+
+- `finance` 和兼容保留的 `finance_mgr` 均可作为 `ownerSelfFallbackRole`；新建规则默认使用 `finance`。
+- 小团队默认金额规则调整为：小额 `manager -> finance`、中额 `manager -> finance`、大额 `manager -> ceo -> finance`，三档 `ownerSelfFallbackRole` 均为 `finance`。
+- CEO 本人申请在三档规则下均生成唯一 `finance` 节点：替换无法解析的 `manager`、移除本人 `ceo`、去除重复 `finance`。
+- `finance` 兜底必须存在 active 非本人持有人；CEO 若同时持有 `finance` 或无可用持有人，继续失败关闭。
+- 普通员工的工作流仍按规则顺序生成，不引入 CEO 本人专属的全局跳步；历史 `workflow_steps_snapshot` 不回写。
+- 审批规则 API 和前端配置页同时支持 `finance`/`finance_mgr`，默认与推荐值显示为 `finance`；不开放 `admin`、`system_admin`、`hr` 或其他角色作为负责人本人兜底。
+- 部署后以原子事务将生产 3 条启用规则从现状修正为上述三档结构并写脱敏审计；写入前必须重新确认规则数量、金额区间、角色结构、active 财务持有人和 CEO 身份，任一漂移即停止。
+- 生产回填不改员工角色、直属主管、既有报销审批快照、密码、企微 binding 或企微通讯录。
+- 公网验证只创建一条由 CEO 本人发起的低风险测试报销时，必须再次取得真实业务写入批准；本任务默认只做规则只读解析/smoke，不自动创建真实报销。
+
+## Acceptance Criteria
+
+- [x] 后端工作流单元测试证明 CEO 本人小/中/大额快照均只有一个 `finance` 节点。
+- [x] 无 active 非本人 `finance`、CEO 同时持有 `finance`、不支持的兜底角色均失败关闭且不创建半截工作流。
+- [x] 普通员工规则快照保持 `manager -> finance` 或 `manager -> ceo -> finance`，无自审放宽。
+- [x] 审批规则 API 接受 `finance` 和兼容的 `finance_mgr`，拒绝非白名单角色；新建默认值为 `finance`。
+- [x] 前端类型、创建/编辑选项和推荐文案支持 `finance`，默认选择 `finance`，typecheck/build 通过。
+- [x] 种子默认三档规则与目标链一致，相关回归测试通过。
+- [x] 只读 review 确认权限、自审、状态机、历史快照和生产回填边界无扩大。
+- [ ] 部署后公网 `/ready` 构建号匹配，runtime smoke 和关联认证/工作流检查通过。
+- [ ] 生产恰好 3 条启用规则按目标结构回填并留下脱敏审计；active 账号、角色、binding 和历史审批快照计数无意外变化。
+- [x] 当前事实源、管理员手册和任务结论不再宣称 `finance_mgr` 是本公司推荐兜底。
+
+## Test Plan
+
+- 后端语法、Prisma validate，以及 workflow、审批规则 API、报销提交和默认种子规则聚焦测试。
+- 前端 typecheck/build 与审批规则配置页聚焦 Playwright。
+- 部署环境静态合同、隔离备份恢复演练、流程合同、文档审计、Trellis task/governance 和敏感内容扫描。
+- 部署后核对 `/ready` 构建号、migration、runtime/external-deps smoke 和公网 bundle。
+- 生产回填前后只读冻结规则、角色、binding、历史快照和审计计数；只读解析 CEO 三档与普通员工链，不创建真实报销。
+
+## Out of Scope
+
+- 不删除 `finance_mgr` 角色或改变其现有权限。
+- 不给现有财务人员新增 `finance_mgr`、`manager` 或其他角色。
+- 不改变普通报销金额阈值，不重构通用工作流引擎，不修改历史审批快照。
+- 不让 `admin`/`system_admin` 获得业务审批权，不允许任何申请人自审。
+- 不执行真实付款、企微写入或未经再次批准的真实 CEO 报销提交。
+
+## Technical Notes
+
+- 后端白名单与快照：`server/src/utils/workflow.js`。
+- 审批规则 API：`server/src/routes/approvalRules.js`。
+- 默认规则：`server/src/scripts/seed-config.js`。
+- 前端类型和页面：`client/src/api/approvalRules.ts`、`client/src/pages/ApprovalRulesPage.tsx`。
+- 聚焦测试：`server/tests/unit/utils/workflow.test.js`、`server/tests/unit/routes/approvalRules.permissions.test.js`、`server/tests/unit/routes/reimbursements.expense-standards.test.js`。
diff --git a/.trellis/tasks/07-28-ceo-finance-fallback/task.json b/.trellis/tasks/07-28-ceo-finance-fallback/task.json
new file mode 100644
index 00000000..de665bc0
--- /dev/null
+++ b/.trellis/tasks/07-28-ceo-finance-fallback/task.json
@@ -0,0 +1,26 @@
+{
+  "id": "ceo-finance-fallback",
+  "name": "ceo-finance-fallback",
+  "title": "CEO 本人报销财务兜底修正",
+  "description": "让 CEO 本人报销在禁止自审的前提下由 active 非本人 finance 审批，并以最小权限修正代码、默认规则和生产配置。",
+  "status": "in_progress",
+  "dev_type": null,
+  "scope": "server, client, deploy/trialrun, workflow tests, current docs, production approval rules",
+  "package": null,
+  "priority": "P2",
+  "creator": "shunli",
+  "assignee": "shunli",
+  "createdAt": "2026-07-28",
+  "completedAt": null,
+  "branch": null,
+  "base_branch": "main",
+  "worktree_path": null,
+  "commit": null,
+  "pr_url": null,
+  "subtasks": [],
+  "children": [],
+  "parent": null,
+  "relatedFiles": [],
+  "notes": "",
+  "meta": {}
+}
diff --git a/client/src/api/approvalRules.ts b/client/src/api/approvalRules.ts
index 232b44cd..118b7d69 100644
--- a/client/src/api/approvalRules.ts
+++ b/client/src/api/approvalRules.ts
@@ -8,7 +8,7 @@ export type ApprovalRoleCode =
   | "finance_mgr"
   | "administration"
   | "hr";
-export type ApprovalOwnerSelfFallbackRoleCode = "finance_mgr";
+export type ApprovalOwnerSelfFallbackRoleCode = "finance" | "finance_mgr";
 
 export type ApprovalRule = {
   id: string;
diff --git a/client/src/pages/ApprovalRulesPage.tsx b/client/src/pages/ApprovalRulesPage.tsx
index dac36ccf..6adcdb95 100644
--- a/client/src/pages/ApprovalRulesPage.tsx
+++ b/client/src/pages/ApprovalRulesPage.tsx
@@ -27,9 +27,13 @@ const ROLE_OPTIONS: Array<{ code: ApprovalRoleCode; label: string }> = [
   { code: "finance", label: "finance" },
   { code: "finance_mgr", label: "finance_mgr" },
 ];
-const OWNER_SELF_FALLBACK_ROLE_OPTIONS = ROLE_OPTIONS.filter(
-  (role) => role.code === "finance_mgr",
-);
+const OWNER_SELF_FALLBACK_ROLE_OPTIONS: Array<{
+  code: ApprovalOwnerSelfFallbackRoleCode;
+  label: string;
+}> = [
+  { code: "finance", label: "财务" },
+  { code: "finance_mgr", label: "财务负责人（兼容）" },
+];
 
 function formatAmount(value: string | null) {
   if (!value) return "-";
@@ -47,7 +51,7 @@ export function ApprovalRulesPage() {
   const [level1Role, setLevel1Role] = useState<ApprovalRoleCode>("manager");
   const [level2Role, setLevel2Role] = useState<ApprovalRoleCode | "">("");
   const [level3Role, setLevel3Role] = useState<ApprovalRoleCode | "">("");
-  const [ownerSelfFallbackRole, setOwnerSelfFallbackRole] = useState<ApprovalOwnerSelfFallbackRoleCode | "">("finance_mgr");
+  const [ownerSelfFallbackRole, setOwnerSelfFallbackRole] = useState<ApprovalOwnerSelfFallbackRoleCode | "">("finance");
   const [enabled, setEnabled] = useState(true);
 
   const [editOpen, setEditOpen] = useState(false);
@@ -102,7 +106,7 @@ export function ApprovalRulesPage() {
       setLevel1Role("manager");
       setLevel2Role("");
       setLevel3Role("");
-      setOwnerSelfFallbackRole("finance_mgr");
+      setOwnerSelfFallbackRole("finance");
       setEnabled(true);
       setError("");
       toast.success("规则已创建");
@@ -334,7 +338,7 @@ export function ApprovalRulesPage() {
                 </option>
               ))}
             </select>
-            <p className="text-xs text-zinc-500">推荐 finance_mgr；不使用 admin。</p>
+            <p className="text-xs text-zinc-500">推荐财务；系统管理员不参与业务审批。</p>
           </div>
 
           <div className="flex items-center gap-2 pt-6">
diff --git a/client/tests/e2e/pc-finance-admin-visual-wave4.spec.ts b/client/tests/e2e/pc-finance-admin-visual-wave4.spec.ts
index 57d01f55..5eb55014 100644
--- a/client/tests/e2e/pc-finance-admin-visual-wave4.spec.ts
+++ b/client/tests/e2e/pc-finance-admin-visual-wave4.spec.ts
@@ -899,7 +899,7 @@ async function mockWave4Apis(page: Page, options: Wave4MockOptions = {}) {
             level1Role: "manager",
             level2Role: null,
             level3Role: null,
-            ownerSelfFallbackRole: "finance_mgr",
+            ownerSelfFallbackRole: "finance",
             enabled: true,
             priority: 1,
             createdAt: "2026-05-29T08:00:00.000Z",
@@ -1067,6 +1067,19 @@ test("PC 财务列表使用明确动作入口", async ({ page }) => {
   await expect(page.getByTestId("invoice-export-csv")).toBeVisible();
 });
 
+test("审批规则负责人本人兜底默认财务并兼容财务负责人", async ({ page }) => {
+  await mockWave4Apis(page);
+  await page.setViewportSize({ width: 1440, height: 960 });
+  await login(page);
+
+  await page.goto("/system/approval-rules");
+  const fallbackSelect = page.getByTestId("approval-rules-create-owner-self-fallback");
+  await expect(fallbackSelect).toHaveValue("finance");
+  await expect(fallbackSelect.locator('option[value="finance"]')).toHaveText("财务");
+  await expect(fallbackSelect.locator('option[value="finance_mgr"]')).toHaveText("财务负责人（兼容）");
+  await expect(page.getByText("推荐财务；系统管理员不参与业务审批。")).toBeVisible();
+});
+
 test("/payment-batches 在 768x1024 与 1024x768 下操作列可达", async ({ page }) => {
   await mockWave4Apis(page);
   await login(page);
diff --git a/deploy/trialrun/checklist.md b/deploy/trialrun/checklist.md
index 2058a9de..e197e61a 100644
--- a/deploy/trialrun/checklist.md
+++ b/deploy/trialrun/checklist.md
@@ -16,7 +16,7 @@
 - [ ] 已将 OA `Caddyfile` 站点块配置到 `/etc/caddy/Caddyfile`
 - [ ] 已确认 Caddy 反代到 `.env` 中 `APP_HOST_PORT` 对应的宿主回环端口，并用 `header_up X-Forwarded-For {remote_host}` 覆盖客户端 XFF
 - [ ] 已执行 `systemctl reload caddy`
-- [ ] 已显式提供 `DEPLOY_SERVER`、`REMOTE_DIR`、绝对 `POSTGRES_DATA_DIR`、绝对 `STORAGE_HOST_DIR` 和 `DEPLOY_DATA_MODE`，并从本地执行发布入口
+- [ ] 已显式提供 `DEPLOY_SERVER`、`REMOTE_DIR`、绝对 `POSTGRES_DATA_DIR`、绝对 `STORAGE_HOST_DIR` 和 `DEPLOY_DATA_MODE`，并确认源码同步根目录与两个数据目录任一方向均不嵌套，再从本地执行发布入口
 - [ ] 已通过 `https://<oa-domain>/ready` 或首页登录完成最小探活
 - [ ] 首次上线先执行系统初始化（migration + seed），不要直接导入旧库整库备份
 - [ ] 若要导数据，仅准备最小主数据：部门、员工、角色、在用资产、活跃项目、合同元数据
diff --git a/deploy/trialrun/deploy.sh b/deploy/trialrun/deploy.sh
index d8291cff..21e860cc 100755
--- a/deploy/trialrun/deploy.sh
+++ b/deploy/trialrun/deploy.sh
@@ -22,6 +22,7 @@ RUNTIME_SMOKE_SCRIPT="server/src/scripts/smoke-trialrun-runtime.js"
 EXTERNAL_DEPS_SMOKE_SCRIPT="server/src/scripts/smoke-external-deps.js"
 PROVENANCE_SCRIPT="deploy/trialrun/check-source-provenance.mjs"
 STAGING_DIR=""
+RSYNC_PROTECT_ARGS=()
 
 cleanup() {
   if [[ -n "$STAGING_DIR" && -d "$STAGING_DIR" ]]; then
@@ -56,7 +57,7 @@ if [[ ! "$COMPOSE_PROJECT_NAME" =~ ^[a-z0-9][a-z0-9_-]*$ ]]; then
   exit 1
 fi
 
-validate_data_path() {
+validate_absolute_path() {
   local name="$1"
   local value="$2"
   if [[ -z "$value" || "$value" != /* || ! "$value" =~ ^/[A-Za-z0-9._/-]+$ ]]; then
@@ -70,8 +71,16 @@ validate_data_path() {
   fi
 }
 
-validate_data_path POSTGRES_DATA_DIR "$POSTGRES_DATA_DIR"
-validate_data_path STORAGE_HOST_DIR "$STORAGE_HOST_DIR"
+paths_overlap() {
+  local first="$1"
+  local second="$2"
+  [[ "$first" == "$second" || "$first" == "$second"/* || "$second" == "$first"/* ]]
+}
+
+validate_absolute_path REMOTE_DIR "$REMOTE_DIR"
+validate_absolute_path REMOTE_ENV_FILE "$REMOTE_ENV_FILE"
+validate_absolute_path POSTGRES_DATA_DIR "$POSTGRES_DATA_DIR"
+validate_absolute_path STORAGE_HOST_DIR "$STORAGE_HOST_DIR"
 if [[ "$POSTGRES_DATA_DIR" == "$STORAGE_HOST_DIR" \
   || "$POSTGRES_DATA_DIR" == "$STORAGE_HOST_DIR"/* \
   || "$STORAGE_HOST_DIR" == "$POSTGRES_DATA_DIR"/* ]]; then
@@ -82,6 +91,23 @@ if [[ "$DEPLOY_DATA_MODE" != "existing" && "$DEPLOY_DATA_MODE" != "initialize" ]
   echo "[ERROR] DEPLOY_DATA_MODE 必须显式设为 existing 或 initialize" >&2
   exit 1
 fi
+if paths_overlap "$REMOTE_DIR" "$POSTGRES_DATA_DIR"; then
+  echo "[ERROR] POSTGRES_DATA_DIR 不得与 REMOTE_DIR 同目录或相互嵌套，避免源码同步触碰数据库" >&2
+  exit 1
+fi
+if paths_overlap "$REMOTE_DIR" "$STORAGE_HOST_DIR"; then
+  echo "[ERROR] STORAGE_HOST_DIR 不得与 REMOTE_DIR 同目录或相互嵌套，避免源码同步触碰附件" >&2
+  exit 1
+fi
+if [[ "$REMOTE_ENV_FILE" == "$REMOTE_DIR" ]]; then
+  echo "[ERROR] REMOTE_ENV_FILE 不得等于 REMOTE_DIR" >&2
+  exit 1
+fi
+if [[ "$REMOTE_ENV_FILE" == "$REMOTE_DIR"/* ]]; then
+  REMOTE_ENV_RELATIVE="${REMOTE_ENV_FILE#"$REMOTE_DIR"/}"
+  RSYNC_PROTECT_ARGS+=(--filter="protect /${REMOTE_ENV_RELATIVE}")
+  RSYNC_PROTECT_ARGS+=(--exclude="/${REMOTE_ENV_RELATIVE}")
+fi
 
 if [[ ! -f "${ROOT_DIR}/${PROVENANCE_SCRIPT}" ]]; then
   echo "[ERROR] 缺少 ${PROVENANCE_SCRIPT}" >&2
@@ -139,6 +165,7 @@ ssh "${DEPLOY_SERVER}" "mkdir -p '${REMOTE_DIR}'"
 
 echo ">>> 4. 同步已验证提交到服务器"
 rsync -az --delete \
+  "${RSYNC_PROTECT_ARGS[@]}" \
   --exclude '.git' \
   --exclude '.github' \
   --exclude '.agent' \
diff --git a/deploy/trialrun/runbook.md b/deploy/trialrun/runbook.md
index 96ad4039..76219279 100644
--- a/deploy/trialrun/runbook.md
+++ b/deploy/trialrun/runbook.md
@@ -119,7 +119,7 @@ docker-compose -p "$COMPOSE_PROJECT_NAME" -f deploy/trialrun/docker-compose.yml
 ```
 
 说明：
-- `init` 是一次性任务：`migrate:deploy + seed:config + seed:trialrun`。
+- `init` 是一次性任务：`migrate:deploy + seed:config + seed:trialrun`。`seed:config` 仅在审批规则表为空时创建默认三档；已有任意审批规则时必须全部保留，生产规则变更另走获批的原子事务。
 - 初始化必须发生在依赖新增列的新 server 切换之前；正式部署脚本会先用新 init 镜像校验生产配置并执行迁移，再替换 server。
 - 若 `TRIALRUN_ADMIN_PASSWORD` 为空，seed 会生成一次性口令并输出到控制台（请立刻保存）。
 - 正式启用前，推荐先保持“空基线 + 默认种子”，不要直接导入开发库、测试库或旧 OA 整库备份。
@@ -392,7 +392,7 @@ systemctl status hyb-oa-public-app-health.service --no-pager
 
 步骤：
 1) 先做备份（见 E14 脚本）  
-2) 从本地仓库执行 `DEPLOY_SERVER=<ssh-target> REMOTE_DIR=<remote-dir> COMPOSE_PROJECT_NAME=<approved-compose-project> POSTGRES_DATA_DIR=<absolute-pgdata> STORAGE_HOST_DIR=<absolute-storage> DEPLOY_DATA_MODE=existing bash deploy/trialrun/deploy.sh`（推荐）；脚本只同步已验证提交的 Git archive，不依赖远端 `git pull`，也不会把本地 ignored 文件带入发布。
+2) 从本地仓库执行 `DEPLOY_SERVER=<ssh-target> REMOTE_DIR=<remote-dir> COMPOSE_PROJECT_NAME=<approved-compose-project> POSTGRES_DATA_DIR=<absolute-pgdata> STORAGE_HOST_DIR=<absolute-storage> DEPLOY_DATA_MODE=existing bash deploy/trialrun/deploy.sh`（推荐）；脚本只同步已验证提交的 Git archive，不依赖远端 `git pull`，也不会把本地 ignored 文件带入发布。`REMOTE_DIR` 必须与 PostgreSQL、附件宿主目录完全分离；任一方向嵌套都会在 SSH 和 `rsync --delete` 前阻断。位于同步树内的 `REMOTE_ENV_FILE` 按实际相对路径动态保护。
    - 在现网目录统一任务中，新的 `COMPOSE_PROJECT_NAME`、`POSTGRES_DATA_DIR`、`STORAGE_HOST_DIR` 必须与活动数据目录复制在同一停机窗口启用；本地提交本身不授权切换。
    - 旧栈停止命令必须使用冻结阶段由 `docker compose ls` 实测的旧 project；不得拿新 project 名去停止旧容器。
    - `artifacts/` 和 `output/` 是运行期证据/截图目录，不作为源码发布输入，也不由 `rsync --delete` 清理远端历史证据。
diff --git a/deploy/trialrun/validate-env-contract.js b/deploy/trialrun/validate-env-contract.js
index b233109d..b7a4762b 100755
--- a/deploy/trialrun/validate-env-contract.js
+++ b/deploy/trialrun/validate-env-contract.js
@@ -428,8 +428,14 @@ for (const requiredFragment of [
 }
 
 for (const requiredFragment of [
-  'validate_data_path POSTGRES_DATA_DIR "$POSTGRES_DATA_DIR"',
-  'validate_data_path STORAGE_HOST_DIR "$STORAGE_HOST_DIR"',
+  'validate_absolute_path REMOTE_DIR "$REMOTE_DIR"',
+  'validate_absolute_path REMOTE_ENV_FILE "$REMOTE_ENV_FILE"',
+  'validate_absolute_path POSTGRES_DATA_DIR "$POSTGRES_DATA_DIR"',
+  'validate_absolute_path STORAGE_HOST_DIR "$STORAGE_HOST_DIR"',
+  'paths_overlap "$REMOTE_DIR" "$POSTGRES_DATA_DIR"',
+  'paths_overlap "$REMOTE_DIR" "$STORAGE_HOST_DIR"',
+  'RSYNC_PROTECT_ARGS+=(--filter="protect /${REMOTE_ENV_RELATIVE}")',
+  'RSYNC_PROTECT_ARGS+=(--exclude="/${REMOTE_ENV_RELATIVE}")',
   'DEPLOY_DATA_MODE" != "existing"',
   'DEPLOY_DATA_MODE" != "initialize"',
   '"$POSTGRES_DATA_DIR/PG_VERSION"',
diff --git a/docs/trialrun/真机公网测试清单.md b/docs/trialrun/真机公网测试清单.md
index 1eec1a36..210e939e 100644
--- a/docs/trialrun/真机公网测试清单.md
+++ b/docs/trialrun/真机公网测试清单.md
@@ -82,7 +82,7 @@
 
 ## 审批与通知
 
-- 正式审批口径：`majianyong` 是公司负责人 `ceo` 且不配置直属主管，当前唯一 active `manager` 向其汇报；`wangshunli` 只承担系统开发/系统管理，不配置正常业务审批角色；`admin` 不代表业务审批权。CEO 本人报销只有在 active 非本人财务兜底可解析时才能通过，否则必须阻断。
+- 正式审批口径：`majianyong` 是公司负责人 `ceo` 且不配置直属主管，当前唯一 active `manager` 向其汇报；`wangshunli` 只承担系统开发/系统管理，不配置正常业务审批角色；`admin` 不代表业务审批权。CEO 本人报销只有在 active 非本人 `finance` 兜底可解析时才能通过；本地候选已通过，部署与生产规则回填前公网仍必须阻断。
 - WOUA-FIX 后，`SMOKE001`、`SMOKE201`、`SMOKE301`、`SMOKE302`、`SMOKE401`、`T0000` 已作为缺企微测试数据软归档；后续真机或公网试运行不得再把这些账号作为当前执行账号。
 - 审批链正确性是业务逻辑验收，优先通过 PC 公网网页或自动化证明，不要求所有审批角色绑定企业微信。
 - 企业微信真机验收只覆盖工作台入口、绑定/免登录、移动布局、待办、详情、PDF 上传入口和通知 deeplink；当前 `oa_smoke_01 -> SMOKE002` 与 `oa_smoke_02 -> SMOKE101` 足够覆盖“提交人 + 审批人”的核心移动体验。
@@ -97,7 +97,7 @@
 | 普通低/中额单据 | PC/自动化 | `SMOKE002` / 测试员工 | 提交低/中额单据 | 待办分配给 `SMOKE101` | 通过 | S4 自动化证据 |
 | 高额/高风险/例外单据 | PC/自动化 | 当前 active 角色账号 | 提交高额/例外单据 | 按当前负责人、财务和财务主管配置流转 | 需按 WOUA-FIX 后账号重跑 | 后续新证据 |
 | 主管本人申请 | PC/自动化 | 当前 active 主管账号 | 主管提交本人申请 | 待办分配给非本人上级或明确阻断 | 需按 WOUA-FIX 后账号重跑 | 后续新证据 |
-| 公司负责人本人申请 | PC/自动化 | 当前 active 负责人账号 | 负责人提交本人申请 | 不允许自审；无非本人兜底时阻断 | 需按 WOUA-FIX 后账号重跑 | 后续新证据 |
+| 公司负责人本人申请 | PC/自动化 | 当前 active 负责人账号 | 负责人提交本人申请 | 三档均唯一进入 active 非本人 `finance`；无持有人或自审时阻断 | 本地聚焦回归通过，待部署和生产规则回填后只读复核 | 当前 Trellis task；后续公网证据 |
 | 系统管理员无业务审批权 | PC/自动化 | 当前 active admin | 尝试审批测试单据 | 不允许仅凭 `admin` 审批 | 需按 WOUA-FIX 后账号重跑 | 后续新证据 |
 | 财务复核与付款/导出 | PC/自动化 | 当前 active 财务角色账号 | 处理已批准测试单据 | 按财务与财务主管权限处理 | 需按 WOUA-FIX 后账号重跑 | 后续新证据 |
 
diff --git a/docs/产品口径.md b/docs/产品口径.md
index 7a4e2ad1..d155369b 100644
--- a/docs/产品口径.md
+++ b/docs/产品口径.md
@@ -108,7 +108,7 @@
 - 缺直属主管、主管停用、主管链断裂或审批节点解析为申请人本人时，提交必须阻断并提示"未配置可审批人"或"当前审批规则未找到审批人"。
 - 只有审批规则显式配置老板/总经理或兜底审批节点，且目标不是申请人本人时，才进入 `CEO` 或其他非本人兜底审批人。
 - 不自动通过，不静默跳过，不用无条件升级 `CEO` 掩盖组织配置问题。
-- 当前正式运行口径：`majianyong` 是公司负责人 `ceo` 且不配置直属主管；当前唯一 active `manager` 向其汇报。`wangshunli` 只承担系统开发/系统管理，不配置业务审批角色；`admin` 不代表业务审批权。CEO 本人报销目标由 active 非本人 `finance` 审批，当前实现缺口未修复时保持阻断。
+- 当前正式运行口径：`majianyong` 是公司负责人 `ceo` 且不配置直属主管；当前唯一 active `manager` 向其汇报。`wangshunli` 只承担系统开发/系统管理，不配置业务审批角色；`admin` 不代表业务审批权。CEO 本人报销目标由 active 非本人 `finance` 审批；本地候选已实现，部署和生产规则回填前保持阻断。
 
 ### W-2 转审适用范围
 - 产品目标：转审是通用审批能力，目标覆盖报销、请假、采购、差旅。
@@ -153,10 +153,10 @@
 - `manage` 不是 `approve` 的别名，也不等于"可任意改历史数据"
 
 ### R-2 报销/费用金额分层审批
-- 当前 5–10 人单管理员团队不按金额分层；所有员工报销统一使用 `直属主管（department_manager） → finance`。金额差异不增加重复审批节点，也不引用无人持有的 `finance_mgr`。
-- 马建勇同时是杨俊直属主管和唯一 CEO；再追加 CEO 节点只会让同一自然人对同一单据连续审批两次，不形成新的控制。
-- 真正的职责分离保留在付款环节：`finance` 创建付款批次，`ceo` 复核，继续执行 maker-checker。
-- 只有出现第二名实际承担审批职责的主管，或有人基于真实职责正式承担 `finance_mgr`，并且业务证明需要金额升级时，才重新评估金额分层。仅需提示大额时优先用风险标记或通知，不用重复审批节点代替。
+- 当前三档规则固定为：小额 `manager -> finance`、中额 `manager -> finance`、大额 `manager -> ceo -> finance`；三档负责人本人 fallback 均为 `finance`，不引用无人持有的 `finance_mgr`。
+- 普通员工按规则顺序审批；CEO 本人提交时移除本人 `ceo` 节点、替换不可解析的 `manager` 并去重，最终只有 active 非本人 `finance` 节点。
+- 真正的职责分离继续保留在付款环节：`finance` 创建付款批次，`ceo` 复核，执行 maker-checker。
+- 不因小团队规模放宽自审，也不通过 `admin` 代批或给现有财务追加权限更宽的 `finance_mgr`。
 
 ### R-3 资产转移权限
 - `asset.transfer` 只给 `administration / 资产管理员`
@@ -169,6 +169,6 @@
 - `finance`、`finance_mgr` 均不拥有 `asset.transfer`；实物调拨继续只属于 `administration`。
 
 ### R-5 CEO 本人无主管报销限制
-- 现有负责人本人报销规则只允许 active、非本人的 `finance_mgr` 作为 `ownerSelfFallbackRole`；普通 `finance` 不满足该兜底角色。
-- 当 CEO 本人没有可解析直属主管且公司没有合适的非本人 `finance_mgr` 时，报销提交保持阻断。不得通过给财务人员顺带增加 `finance_mgr`、使用 `admin` 代批或恢复整库来绕过。
-- 授予 `ceo` 后，既有 `assignee_role=ceo` 待办会对该角色持有人可见，新提交单据按当前规则生成 CEO 节点；既有审批快照不重路由，过去提交失败的单据也不会自动恢复。若未来要放开 CEO 本人报销，应另开产品任务调整兜底规则和最小权限，而不是在账号配置阶段扩权。
+- `ownerSelfFallbackRole` 只允许 active、非本人的 `finance` 或兼容角色 `finance_mgr`；本公司新建默认和生产目标均为 `finance`。
+- CEO 本人没有可解析直属主管时，只有存在 active 非本人 fallback 持有人才能提交；无持有人或 CEO 同时持有 fallback 角色时继续阻断。不得使用 `admin` 代批或恢复整库绕过。
+- 既有审批快照不重路由，过去提交失败的单据也不会自动恢复。当前本地候选尚未部署、生产规则尚未回填，因此公网仍按旧配置阻断。
diff --git a/docs/文档事实源状态矩阵.md b/docs/文档事实源状态矩阵.md
index 56706a5e..92399ef5 100644
--- a/docs/文档事实源状态矩阵.md
+++ b/docs/文档事实源状态矩阵.md
@@ -123,7 +123,7 @@
 | `OALAUNCH1` | `issues/2026-05-23_16-49-39-oa-final-launch-readiness-v1.csv` | `EVIDENCE` | 历史最终启用门禁来源；真实业务闭环、连续 7 天、权限矩阵、备份恢复、数据治理培训、运营支持和 Day 7 人工决策要求仍可复用，但未来实际执行必须由新 Trellis task 承接。未取得新任务完整证据前不得宣布最终正式启用完成 |
 | `OMAT1` | `issues/2026-05-23_17-20-00-oa-maturity-gap-review-v1.csv` | `CURRENT` | 当前成熟度缺口审查台账：按 MAGI 审视/执行/提升轮次调查 hyb-oa 是否成熟，并对标国内主流 OA/协同/低代码/财务/资产系统；已补充国内对标来源、小团队取舍原则、用户决策回填和成熟度证据视图；所有问题和建议先记录为待用户采纳、暂缓或否决，不直接改业务代码 |
 | `OPOLICY1` | `issues/2026-05-24_01-20-52-oa-policy-system-alignment-v1.csv` | `CURRENT` | 当前制度与 OA 对齐合同：先调整外部制度包为小团队 V1，再回写 OA 事实源和启用门禁；制度参数、资料留存、用印台账、审批异常 SOP、制度签收和 P2 冻结进入 OALAUNCH1 数据治理门禁；现有合同台账、资产台账和公告能力可承载 V1，不立即做 schema 或业务代码改造 |
-| `OAFLOW1` | `issues/2026-05-24_19-03-07-oa-owner-application-fallback-approval-v1.csv` | `CURRENT` | 负责人本人申请兜底机制仍有效，但当前人员职责已由用户修正：`majianyong` 是 `ceo` 且无直属主管，`wangshunli` 仅为系统开发/系统管理员，不参与正常业务审批；CEO 本人报销目标由 active 非本人 `finance` 审批。现有代码和启用规则仍限定 `finance_mgr`，而生产没有 active `finance_mgr`，因此后续最小权限修正完成前必须阻断，不得把历史 OAFLOW1 证据误读为当前已就绪 |
+| `OAFLOW1` | `issues/2026-05-24_19-03-07-oa-owner-application-fallback-approval-v1.csv` | `CURRENT` | 负责人本人申请兜底机制仍有效，但当前人员职责已由用户修正：`majianyong` 是 `ceo` 且无直属主管，`wangshunli` 仅为系统开发/系统管理员，不参与正常业务审批；CEO 本人报销目标由 active 非本人 `finance` 审批。Trellis task `07-28-ceo-finance-fallback` 已完成本地候选实现与聚焦回归，支持 `finance|finance_mgr` 且默认 `finance`；尚未部署、生产 3 条启用规则尚未原子回填，因此当前公网仍阻断，不得把本地通过误读为生产已就绪 |
 | `OAFRONT6` | `issues/2026-05-25_12-29-03-oa-frontend-maturity-small-step-v1.csv` | `CURRENT` | 当前前端成熟化小步收口合同：承接 OAFRONT5 部署后 PC 硬问题清零和设计审计；路由标题修复、资产台账详情分区、移动视觉矩阵稳定等待、合同台账表单分组和长编号压缩均已实施部署，公网 PC 只读视觉矩阵复测 `PASS_PC_READONLY_VISUAL_READY` 且 `findingCount=0`；Portal 观察继续后置；本合同不写公网业务数据，不替代 OALAUNCH1 真实业务、备份恢复、7 天稳定化或 Go/No-Go |
 | `OAKISS1` | `issues/2026-05-25_20-53-34-oa-business-flow-kiss-review-v1.csv` | `CURRENT` | 当前全业务流程 KISS 审查合同：按 MAGI 审视/执行/提升轮次，对报销/OCR、审批、采购/费用、合同/项目、付款/AP、票据池、资产、权限、移动/企微入口逐项做自动化和人工步骤审查；输出 KISS 建议台账，不直接改业务代码；OALAUNCH1 真实业务闭环、备份恢复、7 天稳定化和 Go/No-Go 仍是正式启用前硬门禁 |
 | `PCDESIGN1` | `issues/2026-05-25_21-27-56-oa-pc-page-design-review-v1.csv` | `CURRENT` | 当前 PC 全页面设计审查合同：按 MAGI 审视/执行/提升轮次，以项目经理和设计总监视角盘点 45 条静态 PC 路由、A/B/C 页面分层、关键视觉矩阵和 KISS 建议；关键 PC 矩阵 `PASS_PC_READONLY_VISUAL_READY`，全静态路由扫描 `PASS_PC_STATIC_ROUTE_SCAN_READY`；建议优先收敛 HR/考勤边界、冻结模块入口、高密度 B/C 页默认视图和动态详情页证据，不直接改业务代码 |
diff --git a/docs/文档索引.md b/docs/文档索引.md
index a63755fa..2492cdf8 100644
--- a/docs/文档索引.md
+++ b/docs/文档索引.md
@@ -2,9 +2,9 @@
 
 **文档状态**：当前唯一文档入口。
 **分类**：入口索引。
-**适用时间**：TRELLIS2 及 2026-07-16 状态收口之后。
+**适用时间**：TRELLIS2 及 2026-07-28 当前任务状态之后。
 **关联治理**：当前 Trellis task；`GOV8` 只作历史治理来源。
-**最近审计**：2026-07-16。
+**最近审计**：2026-07-28。
 **不得误读**：本文只指示当前事实源和读取顺序；历史 Issue CSV 只能用于追溯，不直接生成新开发任务。
 **治理口径**：中文优先，物理精简，优先复用已有文档。已确认不用的历史文档不放 `docs/archive/`，直接从当前工作树移除；需要时从 git 历史恢复。
 
@@ -24,6 +24,7 @@
 - 当前本地 `main` 包含 7 月 P0 可信度修复和后续本地收口，尚未 push、部署或完成公网复检，不能视为线上已生效。
 - 旧 OAOPS1 7 天真实试运行只有 Day 1–Day 4，后续中断，缺 Day 5–Day 7、现场人工业务闭环和 Day 7 Go/No-Go；归档只表示生命周期关闭，不代表目标完成。
 - 下一轮真实连续试运行必须等待当前可信基线部署并完成公网复核，再新建 Trellis task，从新的 Day 1 连续启动。
+- 当前 `07-28-ceo-finance-fallback` 已完成本地候选实现与聚焦验证：CEO 本人三档报销目标均为唯一 active 非本人 `finance`；尚未部署、生产规则尚未回填，因此不能据此宣布公网可用。
 
 ## 历史事实源链（截至 2026-05）
 
diff --git a/docs/管理员手册.md b/docs/管理员手册.md
index c0633525..fb702895 100644
--- a/docs/管理员手册.md
+++ b/docs/管理员手册.md
@@ -12,7 +12,7 @@
 **OSMOKE1 OA-only smoke 账号治理**：企业微信账号数量有限时，不再为了 OA 报销、资产、财务、AP、合同或权限回归额外申请企业微信账号。企微测试账号只服务 HR/考勤链路；公网 OA 自动化使用 OA-only smoke 账号，允许不绑定企微，但必须在 OA 内保持 active、角色正确且可登录。企微/OA 一致性审计会把私有 env 中列出、显式员工号 allowlist 命中，或符合 `SMOKE*`/`smoke-*`/`oa-smoke-*`/测试命名的 OA-only smoke 账号归为 `oaOnlySmokeExempted`，不再当作“缺企微账号”归档；真实员工不得用该命名绕过一致性治理。恢复账号必须先 dry-run，真实修复必须 `--apply` 且设置 `OA_ONLY_SMOKE_REPAIR_APPLY=1`，不得重置密码、不得打印凭据、不得影响真实员工。
 **OALAUNCH1 最终启用门禁**：ASSET1D 已完成资产台账公网部署、最小 UI 试录和 3 条脱敏 `EA-DOC` 受控导入；OAOPS1 自动巡检已具备公网只读证据，但正式启用前仍必须补齐真实业务闭环、权限矩阵、备份恢复演练、数据治理培训和 Day 7 Go/No-Go。新增 `scripts/qa/run-oa-final-launch-readiness.sh` 只聚合证据并输出 `PASS_OA_LAUNCH_READY`、`PASS_WITH_FINDINGS`、`PAUSED_MANUAL_CONFIRMATION` 或 `SKIP/BLOCKED_BY_EXTERNAL_CONFIG`；脚本不创建业务数据、不执行付款、不写企业微信、不做数据库恢复。未达到 `PASS_OA_LAUNCH_READY` 前，只能视为小团队稳定化收口中，不能宣布最终正式启用完成。
 **OPOLICY1 制度与 OA 对齐口径**：公司制度包已裁剪为“小团队 V1”执行口径，原则是先做到能执行、能留痕、能追责。制度参数、资料留存、用印台账、审批异常 SOP、制度签收和 P2 冻结边界进入 OALAUNCH1 数据治理门禁；预算硬控、复杂招采、电子签章、完整电子档案系统、ERP/银行深集成和 AI 自动改规则不作为正式启用前置条件。
-**OAFLOW1 负责人本人报销兜底审批**：当前业务负责人是 `majianyong`（`ceo`），不配置直属主管且不允许自审；`wangshunli` 仅承担系统开发和系统管理，不是业务审批人。用户确认 CEO 本人报销应由财务审批。现有实现仍只允许 `finance_mgr` 作为 `ownerSelfFallbackRole`，而生产当前只有 active `finance`、没有 active `finance_mgr`，因此 CEO 本人报销在后续最小权限修正完成前会被阻断；不得用 `admin` 代批，也不得把系统管理员配置成假直属主管。
+**OAFLOW1 负责人本人报销兜底审批**：当前业务负责人是 `majianyong`（`ceo`），不配置直属主管且不允许自审；`wangshunli` 仅承担系统开发和系统管理，不是业务审批人。用户确认 CEO 本人报销应由财务审批。`07-28-ceo-finance-fallback` 已在本地实现 `finance|finance_mgr` 兼容、新规则默认 `finance` 和三档 CEO 唯一 `finance` 快照，聚焦回归与前端构建通过；代码尚未部署、生产 3 条启用规则尚未回填，因此当前生产仍按旧 `finance_mgr` 配置阻断。不得用 `admin` 代批，也不得把系统管理员配置成假直属主管。
 
 ## 1. 适用范围
 - 适用于 `small_team_internal` 工作区模式。
@@ -32,7 +32,7 @@
    - 正式审批组织口径：`majianyong` 配置为公司负责人 `ceo` 且不配置直属主管；`wangshunli` 仅配置系统开发/系统管理职责，不配置 `manager`、`ceo`、`finance` 或 `finance_mgr` 业务角色。
    - 普通员工配置有效直属主管；当前唯一 active `manager` 的直属主管配置为 `majianyong`。不得把 `wangshunli` 放入正常业务汇报或审批链。
    - `admin` 只代表系统管理权限，不代表业务审批权；需要业务审批时必须配置 `manager`、`ceo`、`finance`、`hr` 等正式业务角色。
-   - 缺直属主管、主管停用、主管链断裂或审批节点解析到申请人本人时，应先修正组织或审批规则，不要用管理员账号代批。CEO 本人报销只允许通过审批规则进入 active 非本人财务审批；当前 `finance`/`finance_mgr` 配置缺口未修复前保持阻断，不伪造成可用。
+   - 缺直属主管、主管停用、主管链断裂或审批节点解析到申请人本人时，应先修正组织或审批规则，不要用管理员账号代批。CEO 本人报销只允许通过审批规则进入 active 非本人财务审批；本地代码已支持 `finance`，但部署和生产规则回填完成前仍保持阻断，不伪造成可用。
 5. 检查功能开关：
    - 建议开启：`portal_home_v1`、企业微信入口相关开关、报销/OCR、审批待办、请假、项目基础能力和 `payment_batch_v1`。
    - 按需开启：`announcements_v1`、`presence_board_v1`、`weekly_report_v1`、`employee_lifecycle_v1`、`hr_wecom_directory_sync_v1`、`todo_board_v1`、`global_search_v1`。
@@ -177,10 +177,11 @@ ORDER BY priority;
 
 管理要求：
 
-1. 当前代码只允许 `owner_self_fallback_role = 'finance_mgr'` 或置空；生产虽已回填该值，但没有 active `finance_mgr` 持有人，因此 CEO 本人报销会阻断。
-2. 用户确认目标口径是由 active 非本人 `finance` 审批。后续修正必须同时检查 `owner_self_fallback_role` 和中/大额规则里的 `finance_mgr` 节点，保证最终快照不残留不可解析节点。
+1. 本地候选代码允许 `owner_self_fallback_role = 'finance' | 'finance_mgr'` 或置空，新建规则默认 `finance`；生产尚未部署该候选，现有启用规则仍为旧 `finance_mgr` 配置，因此 CEO 本人报销继续阻断。
+2. 部署通过后，必须在同一事务内把 3 条启用规则统一为 `finance` 收口：小/中额 `manager -> finance`，大额 `manager -> ceo -> finance`，三档 fallback 均为 `finance`；任一生产前置漂移则零写入停止。
 3. 不得为省事把 `admin` 当业务审批角色，也不得仅为绕过阻断给财务人员附加超出实际职责的权限；优先按最小权限调整支持角色和规则。
 4. 提交后系统保存审批快照；之后修改规则只影响新单，不回写历史流程。
+5. 生产回填先在部署后的 server 容器内执行 `npm run apply:ceo-finance-fallback -- --dry-run --format=json`；只有结果为 `DRY_RUN_PASS`，才设置一次性写入确认开关并执行同一命令的 `--apply`。脚本只输出状态和计数，任一规则、角色、binding 或受保护计数漂移都会回滚。
 
 财务和系统管理员混授：
 
diff --git a/docs/需求-统一审批中心规约.md b/docs/需求-统一审批中心规约.md
index 34cc8719..d93baedd 100644
--- a/docs/需求-统一审批中心规约.md
+++ b/docs/需求-统一审批中心规约.md
@@ -107,7 +107,7 @@ OA 中既有请假、补卡、外出、加班能力转为历史只读、镜像
 
 ### 2.4 OAFLOW1 负责人本人报销兜底审批
 
-OAFLOW1 后，OA 主办的报销审批规则增加 `ownerSelfFallbackRole`。当公司负责人本人（当前为 `majianyong`，`ceo`）提交报销且直属主管节点无法解析时，系统应使用审批规则上的 active 非本人财务兜底替换第一层 `manager` 节点。用户确认目标审批人为现有 `finance`；当前代码仍只支持 `finance_mgr`，且生产没有 active `finance_mgr`，所以在后续最小权限修正完成前必须阻断，不能宣称 CEO 本人报销已可用。规则只作用于新提交报销单，提交时保存 `workflow_steps_snapshot`，后续审批推进只读快照，不因之后修改审批规则而漂移。
+OAFLOW1 后，OA 主办的报销审批规则增加 `ownerSelfFallbackRole`。当公司负责人本人（当前为 `majianyong`，`ceo`）提交报销且直属主管节点无法解析时，系统应使用审批规则上的 active 非本人财务兜底替换第一层 `manager` 节点。用户确认目标审批人为现有 `finance`；`07-28-ceo-finance-fallback` 本地候选已支持 `finance|finance_mgr`，新建默认 `finance`，但尚未部署且生产规则尚未回填，所以当前生产仍必须阻断，不能宣称 CEO 本人报销已可用。规则只作用于新提交报销单，提交时保存 `workflow_steps_snapshot`，后续审批推进只读快照，不因之后修改审批规则而漂移。
 
 执行边界：
 
@@ -115,15 +115,15 @@ OAFLOW1 后，OA 主办的报销审批规则增加 `ownerSelfFallbackRole`。当
 - 不允许自审；若兜底角色也是申请人本人持有的角色，或没有 active 非本人持有人，提交必须阻断。
 - 不支持 `admin` 作为负责人本人报销兜底角色；`admin` 仍只代表系统管理权限，不代表业务审批权。
 - 当前首版只覆盖 OA 报销金额规则，不扩展到采购、合同、复杂 BPM 或自由流程。
-- 现有实现只允许 `ownerSelfFallbackRole=finance_mgr` 或置空。后续修正必须让 active 非本人 `finance` 可作为 CEO 兜底，并同步清理中/大额规则中不可解析的 `finance_mgr` 节点；完成前负责人本人申请继续阻断。
+- 本地候选允许 `ownerSelfFallbackRole=finance|finance_mgr` 或置空，并以 `finance` 为新建默认值；部署与生产规则原子回填完成前，负责人本人申请继续阻断。
 
 预期链路示例：
 
 | 金额规则 | 原链路 | 负责人本人申请快照 |
 | --- | --- | --- |
-| 小额 | `manager -> finance` | 目标：`finance`；当前因只支持 `finance_mgr` 而阻断 |
-| 中额 | `manager -> finance_mgr` | 目标：`finance`；当前兜底及原规则均需修正 |
-| 大额 | `manager -> ceo -> finance_mgr` | 目标：`finance`；移除本人 `ceo` 后仍须清理不可解析的 `finance_mgr` 节点 |
+| 小额 | `manager -> finance` | `finance` |
+| 中额 | `manager -> finance` | `finance` |
+| 大额 | `manager -> ceo -> finance` | `finance`；移除本人 `ceo` 并去重 |
 
 ---
 
@@ -574,7 +574,7 @@ WF8 当前正式验收通道为站内通知和企业微信个人应用消息。
 | 正式主管链路 | 专用员工提交普通低/中额单据；其 active 直属主管处理待办 | 待办分配给实际直属主管，审批历史与组织关系一致 |
 | 公司负责人二审 | 高额、高风险或例外单据进入 `ceo` 节点 | 串行节点完整，`majianyong(ceo)` 处理负责人节点 |
 | 主管本人申请 | 当前 `manager` 提交单据 | 主管本人不能自审，按组织链进入 `majianyong(ceo)` 或明确非本人兜底节点 |
-| 公司负责人本人申请 | `majianyong` 提交并触发负责人本人兜底 | 不允许自审；目标由 active 非本人 `finance` 审批，当前实现缺口未修复时应阻断 |
+| 公司负责人本人申请 | `majianyong` 提交并触发负责人本人兜底 | 不允许自审；active 非本人 `finance` 唯一审批；部署和生产规则回填前应阻断 |
 | 系统管理员无业务审批权 | 仅 `admin` 角色账号尝试审批业务单据 | 服务端拒绝，不因 `admin` 权限生成审批历史 |
 | 并发处理 | 两个窗口同时处理同一任务 | 只有一个结果生效，另一个提示任务已变化 |
 | 通知失败不阻断 | 模拟企业微信通知发送失败 | 审批提交或处理成功，通知记录进入失败可重试 |
diff --git a/scripts/qa/run-backup-restore-drill.sh b/scripts/qa/run-backup-restore-drill.sh
index 7d9dd2bf..b38ee3e6 100755
--- a/scripts/qa/run-backup-restore-drill.sh
+++ b/scripts/qa/run-backup-restore-drill.sh
@@ -86,6 +86,30 @@ if command -v node >/dev/null 2>&1; then
     exit 1
   fi
 
+  if deploy_error="$(DEPLOY_SERVER=unused REMOTE_DIR=/srv/hyb-oa/app \
+    POSTGRES_DATA_DIR=/srv/hyb-oa/app/data/postgres \
+    STORAGE_HOST_DIR=/srv/hyb-oa/storage DEPLOY_DATA_MODE=existing \
+    "$ROOT_DIR/deploy/trialrun/deploy.sh" 2>&1)"; then
+    echo "[ERR] formal deploy accepted PostgreSQL data nested in the source sync root" >&2
+    exit 1
+  fi
+  if [[ "$deploy_error" != *"POSTGRES_DATA_DIR 不得与 REMOTE_DIR"* ]]; then
+    echo "[ERR] nested PostgreSQL path did not fail at the source-sync isolation guard" >&2
+    exit 1
+  fi
+
+  if deploy_error="$(DEPLOY_SERVER=unused REMOTE_DIR=/srv/hyb-oa/app \
+    POSTGRES_DATA_DIR=/srv/hyb-oa/postgres \
+    STORAGE_HOST_DIR=/srv/hyb-oa/app/data/storage DEPLOY_DATA_MODE=existing \
+    "$ROOT_DIR/deploy/trialrun/deploy.sh" 2>&1)"; then
+    echo "[ERR] formal deploy accepted attachment storage nested in the source sync root" >&2
+    exit 1
+  fi
+  if [[ "$deploy_error" != *"STORAGE_HOST_DIR 不得与 REMOTE_DIR"* ]]; then
+    echo "[ERR] nested storage path did not fail at the source-sync isolation guard" >&2
+    exit 1
+  fi
+
   MUTATED_PORT_COMPOSE="$DRILL_DIR/docker-compose-db-port.yml"
   sed '/  db:/a\    ports:\n      - "5432:5432"' \
     "$ROOT_DIR/deploy/trialrun/docker-compose.yml" >"$MUTATED_PORT_COMPOSE"
diff --git a/server/package.json b/server/package.json
index ec67e519..86959faa 100644
--- a/server/package.json
+++ b/server/package.json
@@ -16,6 +16,7 @@
     "prisma:migrate:dev": "prisma migrate dev",
     "prisma:migrate:deploy": "prisma migrate deploy",
     "seed:config": "node src/scripts/seed-config.js",
+    "apply:ceo-finance-fallback": "node src/scripts/apply-ceo-finance-fallback.js",
     "seed:dev-users": "node src/scripts/seed-dev.js",
     "seed:dev": "node src/scripts/dev-seed-safety.js && npm run seed:config && npm run seed:dev-users",
     "seed:trialrun": "node src/scripts/seed-trialrun.js",
diff --git a/server/src/routes/approvalRules.js b/server/src/routes/approvalRules.js
index d4e326d2..17ce4105 100644
--- a/server/src/routes/approvalRules.js
+++ b/server/src/routes/approvalRules.js
@@ -4,10 +4,12 @@ const { AppError } = require("../utils/AppError");
 const { buildAuditLogData } = require("../utils/audit");
 const { sendData } = require("../utils/reply");
 const { ROLE_PERMISSIONS } = require("../constants/permissions");
-const { BUSINESS_APPROVAL_ROLE_CODES } = require("../utils/workflow");
+const {
+  BUSINESS_APPROVAL_ROLE_CODES,
+  OWNER_SELF_FALLBACK_ROLE_CODES,
+} = require("../utils/workflow");
 
 const MONEY_STRING_SCHEMA = z.string().regex(/^\d+(\.\d{1,2})?$/);
-const OWNER_SELF_FALLBACK_ROLE_CODES = ["finance_mgr"];
 const REIMBURSEMENT_APPROVAL_ROLE_CODES = BUSINESS_APPROVAL_ROLE_CODES.filter(
   (roleCode) => (ROLE_PERMISSIONS[roleCode] ?? []).includes("expense.approve"),
 );
@@ -144,7 +146,7 @@ async function approvalRulesRoutes(fastify) {
             level3_role: body.level3Role ?? null,
             owner_self_fallback_role: Object.prototype.hasOwnProperty.call(body, "ownerSelfFallbackRole")
               ? body.ownerSelfFallbackRole ?? null
-              : "finance_mgr",
+              : "finance",
             enabled: body.enabled ?? true,
             priority,
             created_by: request.employee.id,
diff --git a/server/src/scripts/apply-ceo-finance-fallback.js b/server/src/scripts/apply-ceo-finance-fallback.js
new file mode 100644
index 00000000..ade7d20f
--- /dev/null
+++ b/server/src/scripts/apply-ceo-finance-fallback.js
@@ -0,0 +1,303 @@
+require("dotenv/config");
+
+const crypto = require("node:crypto");
+const { Pool } = require("pg");
+
+const APPLY_ENV_KEY = "CEO_FINANCE_FALLBACK_APPLY";
+const TARGET_BY_BAND = Object.freeze({
+  small: Object.freeze({
+    level1_role: "manager",
+    level2_role: "finance",
+    level3_role: null,
+    owner_self_fallback_role: "finance",
+  }),
+  medium: Object.freeze({
+    level1_role: "manager",
+    level2_role: "finance",
+    level3_role: null,
+    owner_self_fallback_role: "finance",
+  }),
+  large: Object.freeze({
+    level1_role: "manager",
+    level2_role: "ceo",
+    level3_role: "finance",
+    owner_self_fallback_role: "finance",
+  }),
+});
+
+const EXPECTED_CURRENT_BY_BAND = Object.freeze({
+  small: Object.freeze({
+    level1_role: "manager",
+    level2_role: "finance",
+    level3_role: null,
+    owner_self_fallback_role: "finance_mgr",
+  }),
+  medium: Object.freeze({
+    level1_role: "manager",
+    level2_role: "finance_mgr",
+    level3_role: null,
+    owner_self_fallback_role: "finance_mgr",
+  }),
+  large: Object.freeze({
+    level1_role: "manager",
+    level2_role: "ceo",
+    level3_role: "finance_mgr",
+    owner_self_fallback_role: "finance_mgr",
+  }),
+});
+
+function parseArgs(args) {
+  const options = { apply: false, format: "text" };
+  for (const arg of args) {
+    if (arg === "--apply") options.apply = true;
+    else if (arg === "--dry-run") options.apply = false;
+    else if (arg === "--format=json") options.format = "json";
+    else if (arg === "--help" || arg === "-h") options.help = true;
+    else throw new Error(`Unsupported argument: ${arg}`);
+  }
+  return options;
+}
+
+function getBand(row) {
+  const min = Number(row.min_amount);
+  const max = row.max_amount == null ? null : Number(row.max_amount);
+  if (min === 0 && max === 500) return "small";
+  if (min === 500 && max === 5000) return "medium";
+  if (min === 5000 && max == null) return "large";
+  return null;
+}
+
+function sameRoles(row, expected) {
+  return ["level1_role", "level2_role", "level3_role", "owner_self_fallback_role"]
+    .every((field) => (row[field] ?? null) === expected[field]);
+}
+
+function buildRulePlan(rows) {
+  if (!Array.isArray(rows) || rows.length !== 3) {
+    throw new Error("approval_rule_count_drift");
+  }
+
+  const plan = [];
+  const seen = new Set();
+  for (const row of rows) {
+    const band = getBand(row);
+    if (!band || seen.has(band)) {
+      throw new Error("approval_rule_amount_band_drift");
+    }
+    if (!sameRoles(row, EXPECTED_CURRENT_BY_BAND[band])) {
+      throw new Error(`approval_rule_role_drift:${band}`);
+    }
+    seen.add(band);
+    plan.push({ id: row.id, band, before: EXPECTED_CURRENT_BY_BAND[band], after: TARGET_BY_BAND[band] });
+  }
+
+  if (seen.size !== 3) throw new Error("approval_rule_amount_band_drift");
+  return plan.sort((left, right) => ["small", "medium", "large"].indexOf(left.band)
+    - ["small", "medium", "large"].indexOf(right.band));
+}
+
+function assertPeopleBaseline({ ceos, finances, admins }) {
+  if (ceos.length !== 1) throw new Error("active_ceo_count_drift");
+  if (ceos[0].direct_manager_id != null) throw new Error("ceo_manager_drift");
+  if (!ceos[0].has_wecom_binding) throw new Error("ceo_binding_missing");
+  if (ceos[0].roles.includes("finance") || ceos[0].roles.includes("finance_mgr")) {
+    throw new Error("ceo_holds_fallback_role");
+  }
+  if (finances.length !== 1) throw new Error("active_non_ceo_finance_count_drift");
+  if (!finances[0].has_wecom_binding) throw new Error("finance_binding_missing");
+  if (admins.length !== 1) throw new Error("active_admin_actor_count_drift");
+}
+
+async function loadRoleHolders(client, roleCode, excludedEmployeeId = null) {
+  const result = await client.query(
+    `
+      SELECT
+        e.id::text,
+        e.direct_manager_id::text,
+        EXISTS (
+          SELECT 1 FROM wecom_identity_bindings w WHERE w.employee_id = e.id
+        ) AS has_wecom_binding,
+        COALESCE(array_agg(all_roles.role_code::text ORDER BY all_roles.role_code::text), ARRAY[]::text[]) AS roles
+      FROM employees e
+      JOIN employee_roles selected_role
+        ON selected_role.employee_id = e.id
+       AND selected_role.role_code = $1::"RoleCode"
+      LEFT JOIN employee_roles all_roles ON all_roles.employee_id = e.id
+      WHERE e.status = 'active'
+        AND e.archived_at IS NULL
+        AND ($2::uuid IS NULL OR e.id <> $2::uuid)
+      GROUP BY e.id, e.direct_manager_id
+      ORDER BY e.id
+    `,
+    [roleCode, excludedEmployeeId],
+  );
+  return result.rows;
+}
+
+async function loadInvariantCounts(client) {
+  const result = await client.query(`
+    SELECT
+      (SELECT COUNT(*)::int FROM employees WHERE status = 'active' AND archived_at IS NULL) AS active_employees,
+      (
+        SELECT COUNT(*)::int
+        FROM employee_roles er
+        JOIN employees e ON e.id = er.employee_id
+        WHERE e.status = 'active' AND e.archived_at IS NULL
+      ) AS active_role_rows,
+      (
+        SELECT COUNT(*)::int
+        FROM wecom_identity_bindings w
+        JOIN employees e ON e.id = w.employee_id
+        WHERE e.status = 'active' AND e.archived_at IS NULL
+      ) AS active_bindings,
+      (
+        SELECT COUNT(*)::int
+        FROM workflow_instances
+        WHERE context_data ? 'workflow_steps_snapshot'
+      ) AS workflow_snapshots
+  `);
+  return result.rows[0];
+}
+
+function countsEqual(left, right) {
+  return ["active_employees", "active_role_rows", "active_bindings", "workflow_snapshots"]
+    .every((field) => Number(left[field]) === Number(right[field]));
+}
+
+async function execute(options, pool = new Pool({ connectionString: process.env.DATABASE_URL })) {
+  if (!process.env.DATABASE_URL) throw new Error("missing_database_url");
+  if (options.apply && process.env[APPLY_ENV_KEY] !== "1") {
+    throw new Error(`apply_requires_${APPLY_ENV_KEY}`);
+  }
+
+  const client = await pool.connect();
+  let transactionOpen = false;
+  try {
+    await client.query("BEGIN ISOLATION LEVEL SERIALIZABLE");
+    transactionOpen = true;
+
+    const rulesResult = await client.query(`
+      SELECT id::text, min_amount::text, max_amount::text,
+             level1_role::text, level2_role::text, level3_role::text,
+             owner_self_fallback_role::text
+      FROM approval_rules
+      WHERE enabled = true
+      ORDER BY priority, id
+      FOR UPDATE
+    `);
+    const plan = buildRulePlan(rulesResult.rows);
+
+    const ceos = await loadRoleHolders(client, "ceo");
+    const finances = await loadRoleHolders(client, "finance", ceos[0]?.id ?? null);
+    const admins = await loadRoleHolders(client, "admin");
+    assertPeopleBaseline({ ceos, finances, admins });
+
+    const beforeCounts = await loadInvariantCounts(client);
+    const requestId = `ceo-finance-fallback-${crypto.randomUUID()}`;
+    for (const item of plan) {
+      const updated = await client.query(
+        `
+          UPDATE approval_rules
+          SET level1_role = $2::"RoleCode",
+              level2_role = $3::"RoleCode",
+              level3_role = $4::"RoleCode",
+              owner_self_fallback_role = $5::"RoleCode",
+              updated_by = $6::uuid,
+              updated_at = NOW()
+          WHERE id = $1::uuid
+          RETURNING id::text
+        `,
+        [item.id, item.after.level1_role, item.after.level2_role, item.after.level3_role,
+          item.after.owner_self_fallback_role, admins[0].id],
+      );
+      if (updated.rowCount !== 1) throw new Error(`approval_rule_update_failed:${item.band}`);
+
+      await client.query(
+        `
+          INSERT INTO audit_logs
+            (request_id, actor_id, action, target_type, target_id, ip_address, user_agent, extra)
+          VALUES
+            ($1, $2::uuid, 'APPROVAL_RULE_UPDATED', 'approval_rule', $3::uuid, NULL,
+             'controlled-script/07-28-ceo-finance-fallback', $4::jsonb)
+        `,
+        [requestId, admins[0].id, item.id, JSON.stringify({
+          task: "07-28-ceo-finance-fallback",
+          band: item.band,
+          before: item.before,
+          after: item.after,
+        })],
+      );
+    }
+
+    const afterRules = await client.query(`
+      SELECT id::text, min_amount::text, max_amount::text,
+             level1_role::text, level2_role::text, level3_role::text,
+             owner_self_fallback_role::text
+      FROM approval_rules
+      WHERE enabled = true
+      ORDER BY priority, id
+    `);
+    if (afterRules.rows.length !== 3 || afterRules.rows.some((row) => {
+      const band = getBand(row);
+      return !band || !sameRoles(row, TARGET_BY_BAND[band]);
+    })) {
+      throw new Error("approval_rule_postcondition_failed");
+    }
+
+    const afterCounts = await loadInvariantCounts(client);
+    if (!countsEqual(beforeCounts, afterCounts)) throw new Error("protected_invariant_changed");
+
+    if (options.apply) {
+      await client.query("COMMIT");
+      transactionOpen = false;
+    } else {
+      await client.query("ROLLBACK");
+      transactionOpen = false;
+    }
+
+    return {
+      status: options.apply ? "APPLIED" : "DRY_RUN_PASS",
+      rules: plan.length,
+      auditRows: options.apply ? plan.length : 0,
+      protectedCountsStable: true,
+      realReimbursementsCreated: 0,
+      wecomWrites: 0,
+    };
+  } catch (error) {
+    if (transactionOpen) await client.query("ROLLBACK").catch(() => {});
+    throw error;
+  } finally {
+    client.release();
+    await pool.end();
+  }
+}
+
+async function main() {
+  const options = parseArgs(process.argv.slice(2));
+  if (options.help) {
+    process.stdout.write("Usage: node src/scripts/apply-ceo-finance-fallback.js [--dry-run|--apply] [--format=json]\n");
+    return;
+  }
+  const result = await execute(options);
+  process.stdout.write(options.format === "json" ? `${JSON.stringify(result)}\n` : [
+    `[ceo-finance-fallback] status=${result.status}`,
+    `[ceo-finance-fallback] rules=${result.rules} auditRows=${result.auditRows}`,
+    `[ceo-finance-fallback] protectedCountsStable=${result.protectedCountsStable}`,
+  ].join("\n") + "\n");
+}
+
+if (require.main === module) {
+  main().catch((error) => {
+    process.stderr.write(`[ceo-finance-fallback] failed=${error.message}\n`);
+    process.exit(1);
+  });
+}
+
+module.exports = {
+  EXPECTED_CURRENT_BY_BAND,
+  TARGET_BY_BAND,
+  assertPeopleBaseline,
+  buildRulePlan,
+  getBand,
+  parseArgs,
+};
diff --git a/server/src/scripts/seed-config.js b/server/src/scripts/seed-config.js
index 38a4c29d..1cdf61a8 100644
--- a/server/src/scripts/seed-config.js
+++ b/server/src/scripts/seed-config.js
@@ -56,7 +56,7 @@ const DEFAULT_APPROVAL_RULES = [
     level1_role: "manager",
     level2_role: "finance",
     level3_role: null,
-    owner_self_fallback_role: "finance_mgr",
+    owner_self_fallback_role: "finance",
     priority: 10,
   },
   {
@@ -64,9 +64,9 @@ const DEFAULT_APPROVAL_RULES = [
     min_amount: "500",
     max_amount: "5000",
     level1_role: "manager",
-    level2_role: "finance_mgr",
+    level2_role: "finance",
     level3_role: null,
-    owner_self_fallback_role: "finance_mgr",
+    owner_self_fallback_role: "finance",
     priority: 20,
   },
   {
@@ -75,8 +75,8 @@ const DEFAULT_APPROVAL_RULES = [
     max_amount: null,
     level1_role: "manager",
     level2_role: "ceo",
-    level3_role: "finance_mgr",
-    owner_self_fallback_role: "finance_mgr",
+    level3_role: "finance",
+    owner_self_fallback_role: "finance",
     priority: 30,
   },
 ];
@@ -563,7 +563,11 @@ async function seedExpenseTypes(prisma) {
 }
 
 async function seedApprovalRules(prisma) {
-  await prisma.approvalRule.deleteMany({});
+  const existingCount = await prisma.approvalRule.count();
+  if (existingCount > 0) {
+    return { created: 0, preserved: existingCount };
+  }
+
   await prisma.approvalRule.createMany({
     data: DEFAULT_APPROVAL_RULES.map((item) => ({
       ...item,
@@ -572,6 +576,8 @@ async function seedApprovalRules(prisma) {
       updated_by: null,
     })),
   });
+
+  return { created: DEFAULT_APPROVAL_RULES.length, preserved: 0 };
 }
 
 async function seedDocumentSequence(prisma) {
@@ -1022,7 +1028,7 @@ async function main() {
 
   try {
     await seedExpenseTypes(prisma);
-    await seedApprovalRules(prisma);
+    const approvalRuleSeed = await seedApprovalRules(prisma);
     await seedDocumentSequence(prisma);
     await seedDocumentCategories(prisma);
     await seedWorkflowDefinition(prisma);
@@ -1037,7 +1043,9 @@ async function main() {
     // eslint-disable-next-line no-console
     console.log(`- expense types: ${ENABLED_EXPENSE_TYPES.length} enabled + ${DISABLED_LEGACY_EXPENSE_TYPES.length} disabled`);
     // eslint-disable-next-line no-console
-    console.log("- approval rules: 3");
+    console.log(
+      `- approval rules: ${approvalRuleSeed.created} created / ${approvalRuleSeed.preserved} preserved`,
+    );
     // eslint-disable-next-line no-console
     console.log("- document sequence: reimbursement(reset_period=none)");
     // eslint-disable-next-line no-console
@@ -1070,8 +1078,15 @@ async function main() {
   }
 }
 
-main().catch((error) => {
-  // eslint-disable-next-line no-console
-  console.error(error);
-  process.exit(1);
-});
+if (require.main === module) {
+  main().catch((error) => {
+    // eslint-disable-next-line no-console
+    console.error(error);
+    process.exit(1);
+  });
+}
+
+module.exports = {
+  DEFAULT_APPROVAL_RULES,
+  seedApprovalRules,
+};
diff --git a/server/src/utils/workflow.js b/server/src/utils/workflow.js
index c532b8a4..9876e565 100644
--- a/server/src/utils/workflow.js
+++ b/server/src/utils/workflow.js
@@ -19,7 +19,8 @@ const BUSINESS_APPROVAL_ROLE_CODES = Object.freeze([
   "administration",
 ]);
 const BUSINESS_APPROVAL_ROLE_CODE_SET = new Set(BUSINESS_APPROVAL_ROLE_CODES);
-const SUPPORTED_OWNER_SELF_FALLBACK_ROLES = new Set(["finance_mgr"]);
+const OWNER_SELF_FALLBACK_ROLE_CODES = Object.freeze(["finance", "finance_mgr"]);
+const SUPPORTED_OWNER_SELF_FALLBACK_ROLES = new Set(OWNER_SELF_FALLBACK_ROLE_CODES);
 const OWNER_SELF_FALLBACK_REASONS = new Set([
   "no_manager_found",
   "chain_broken",
@@ -555,6 +556,7 @@ function toMoneyString(value) {
 
 module.exports = {
   BUSINESS_APPROVAL_ROLE_CODES,
+  OWNER_SELF_FALLBACK_ROLE_CODES,
   buildApprovalWorkflowSnapshot,
   buildWorkflowStepsFromApprovalRule,
   getWorkflowStepsSnapshot,
diff --git a/server/tests/unit/routes/approvalRules.permissions.test.js b/server/tests/unit/routes/approvalRules.permissions.test.js
index 468663b7..9f67dc78 100644
--- a/server/tests/unit/routes/approvalRules.permissions.test.js
+++ b/server/tests/unit/routes/approvalRules.permissions.test.js
@@ -14,7 +14,7 @@ function buildCreatePayload(roleCode) {
     level1Role: roleCode,
     level2Role: null,
     level3Role: null,
-    ownerSelfFallbackRole: "finance_mgr",
+    ownerSelfFallbackRole: "finance",
     enabled: true,
     priority: 1,
   };
@@ -82,6 +82,74 @@ async function buildApp() {
 }
 
 describe("reimbursement approval-rule role whitelist", () => {
+  it.each(["finance", "finance_mgr"])(
+    "allows owner self fallback role %s",
+    async (fallbackRole) => {
+      const testApp = await buildApp();
+      try {
+        const response = await testApp.app.inject({
+          method: "POST",
+          url: "/api/approval-rules",
+          payload: {
+            ...buildCreatePayload("manager"),
+            ownerSelfFallbackRole: fallbackRole,
+          },
+        });
+
+        expect(response.statusCode).toBe(200);
+        expect(response.json().data.ownerSelfFallbackRole).toBe(fallbackRole);
+      } finally {
+        await testApp.app.close();
+      }
+    },
+  );
+
+  it("defaults owner self fallback to finance when omitted", async () => {
+    const testApp = await buildApp();
+    try {
+      const payload = buildCreatePayload("manager");
+      delete payload.ownerSelfFallbackRole;
+      const response = await testApp.app.inject({
+        method: "POST",
+        url: "/api/approval-rules",
+        payload,
+      });
+
+      expect(response.statusCode).toBe(200);
+      expect(response.json().data.ownerSelfFallbackRole).toBe("finance");
+      expect(testApp.approvalRuleCreate).toHaveBeenCalledWith(
+        expect.objectContaining({
+          data: expect.objectContaining({ owner_self_fallback_role: "finance" }),
+        }),
+      );
+    } finally {
+      await testApp.app.close();
+    }
+  });
+
+  it.each(["admin", "system_admin", "hr"])(
+    "rejects owner self fallback role %s",
+    async (fallbackRole) => {
+      const testApp = await buildApp();
+      try {
+        const response = await testApp.app.inject({
+          method: "POST",
+          url: "/api/approval-rules",
+          payload: {
+            ...buildCreatePayload("manager"),
+            ownerSelfFallbackRole: fallbackRole,
+          },
+        });
+
+        expect(response.statusCode).toBe(400);
+        expect(response.json().error.code).toBe("VALID_001");
+        expect(testApp.transaction).not.toHaveBeenCalled();
+      } finally {
+        await testApp.app.close();
+      }
+    },
+  );
+
   it.each(["manager", "ceo", "finance", "finance_mgr"])(
     "allows role %s because it carries expense.approve",
     async (roleCode) => {
diff --git a/server/tests/unit/routes/reimbursements.expense-standards.test.js b/server/tests/unit/routes/reimbursements.expense-standards.test.js
index 28ecd8a9..c8ab130e 100644
--- a/server/tests/unit/routes/reimbursements.expense-standards.test.js
+++ b/server/tests/unit/routes/reimbursements.expense-standards.test.js
@@ -399,7 +399,7 @@ describe("reimbursements routes expense standard integration", () => {
     await app.close();
   });
 
-  it("uses finance_mgr fallback and persists the adjusted workflow snapshot for CEO owner submit", async () => {
+  it("uses one finance fallback and persists the adjusted workflow snapshot for CEO owner submit", async () => {
     resolveEntityPrecheckMock.mockResolvedValue(buildPrecheck());
 
     const { app, state } = await buildApp({
@@ -409,8 +409,8 @@ describe("reimbursements routes expense standard integration", () => {
         id: "55555555-5555-4555-8555-555555555555",
         level1_role: "manager",
         level2_role: "finance",
-        level3_role: "ceo",
-        owner_self_fallback_role: "finance_mgr",
+        level3_role: null,
+        owner_self_fallback_role: "finance",
         priority: 1,
       },
     });
@@ -424,7 +424,7 @@ describe("reimbursements routes expense standard integration", () => {
     expect(state.workflowTaskCreatePayload).toEqual(
       expect.objectContaining({
         assignee_id: null,
-        assignee_role: "finance_mgr",
+        assignee_role: "finance",
       }),
     );
     expect(state.workflowInstanceCreatePayload.current_step_id).toContain("owner_self_fallback");
@@ -432,10 +432,7 @@ describe("reimbursements routes expense standard integration", () => {
       state.workflowInstanceCreatePayload.context_data.workflow_steps_snapshot.map(
         (step) => step.assignee_rule,
       ),
-    ).toEqual([
-      { type: "role", value: "finance_mgr" },
-      { type: "role", value: "finance" },
-    ]);
+    ).toEqual([{ type: "role", value: "finance" }]);
 
     await app.close();
   });
@@ -452,7 +449,7 @@ describe("reimbursements routes expense standard integration", () => {
         level1_role: "manager",
         level2_role: "finance",
         level3_role: null,
-        owner_self_fallback_role: "finance_mgr",
+        owner_self_fallback_role: "finance",
         priority: 1,
       },
     });
@@ -467,7 +464,7 @@ describe("reimbursements routes expense standard integration", () => {
       expect.objectContaining({
         workflow: "no_actionable_approver",
         reason: "owner_self_fallback_role_unavailable",
-        fallbackRole: "finance_mgr",
+        fallbackRole: "finance",
       }),
     );
     expect(tx.workflowInstance.create).not.toHaveBeenCalled();
diff --git a/server/tests/unit/scripts/apply-ceo-finance-fallback.test.js b/server/tests/unit/scripts/apply-ceo-finance-fallback.test.js
new file mode 100644
index 00000000..659567ca
--- /dev/null
+++ b/server/tests/unit/scripts/apply-ceo-finance-fallback.test.js
@@ -0,0 +1,103 @@
+const {
+  assertPeopleBaseline,
+  buildRulePlan,
+  parseArgs,
+} = require("../../../src/scripts/apply-ceo-finance-fallback");
+
+function currentRows() {
+  return [
+    {
+      id: "small-id",
+      min_amount: "0.00",
+      max_amount: "500.00",
+      level1_role: "manager",
+      level2_role: "finance",
+      level3_role: null,
+      owner_self_fallback_role: "finance_mgr",
+    },
+    {
+      id: "medium-id",
+      min_amount: "500.00",
+      max_amount: "5000.00",
+      level1_role: "manager",
+      level2_role: "finance_mgr",
+      level3_role: null,
+      owner_self_fallback_role: "finance_mgr",
+    },
+    {
+      id: "large-id",
+      min_amount: "5000.00",
+      max_amount: null,
+      level1_role: "manager",
+      level2_role: "ceo",
+      level3_role: "finance_mgr",
+      owner_self_fallback_role: "finance_mgr",
+    },
+  ];
+}
+
+describe("CEO finance fallback production apply contract", () => {
+  it("builds the exact three-band target without exposing identifiers in the result shape", () => {
+    const plan = buildRulePlan(currentRows());
+    expect(plan.map((item) => ({ band: item.band, after: item.after }))).toEqual([
+      {
+        band: "small",
+        after: {
+          level1_role: "manager",
+          level2_role: "finance",
+          level3_role: null,
+          owner_self_fallback_role: "finance",
+        },
+      },
+      {
+        band: "medium",
+        after: {
+          level1_role: "manager",
+          level2_role: "finance",
+          level3_role: null,
+          owner_self_fallback_role: "finance",
+        },
+      },
+      {
+        band: "large",
+        after: {
+          level1_role: "manager",
+          level2_role: "ceo",
+          level3_role: "finance",
+          owner_self_fallback_role: "finance",
+        },
+      },
+    ]);
+  });
+
+  it.each([
+    [currentRows().slice(0, 2), "approval_rule_count_drift"],
+    [[...currentRows(), currentRows()[0]], "approval_rule_count_drift"],
+    [currentRows().map((row, index) => index === 1 ? { ...row, level2_role: "finance" } : row), "approval_rule_role_drift:medium"],
+    [currentRows().map((row, index) => index === 2 ? { ...row, min_amount: "6000" } : row), "approval_rule_amount_band_drift"],
+  ])("fails closed on approval-rule drift", (rows, message) => {
+    expect(() => buildRulePlan(rows)).toThrow(message);
+  });
+
+  it("requires one bound CEO without manager/fallback role, one bound non-CEO finance, and one admin", () => {
+    expect(() => assertPeopleBaseline({
+      ceos: [{ direct_manager_id: null, has_wecom_binding: true, roles: ["ceo"] }],
+      finances: [{ has_wecom_binding: true, roles: ["finance"] }],
+      admins: [{ roles: ["admin"] }],
+    })).not.toThrow();
+
+    expect(() => assertPeopleBaseline({ ceos: [], finances: [], admins: [] }))
+      .toThrow("active_ceo_count_drift");
+    expect(() => assertPeopleBaseline({
+      ceos: [{ direct_manager_id: null, has_wecom_binding: true, roles: ["ceo", "finance"] }],
+      finances: [{ has_wecom_binding: true, roles: ["finance"] }],
+      admins: [{ roles: ["admin"] }],
+    })).toThrow("ceo_holds_fallback_role");
+  });
+
+  it("defaults to dry-run and rejects unknown arguments", () => {
+    expect(parseArgs([])).toEqual({ apply: false, format: "text" });
+    expect(parseArgs(["--apply", "--format=json"])).toEqual({ apply: true, format: "json" });
+    expect(() => parseArgs(["--force"])).toThrow("Unsupported argument");
+  });
+});
diff --git a/server/tests/unit/scripts/seed-config.defaults.test.js b/server/tests/unit/scripts/seed-config.defaults.test.js
new file mode 100644
index 00000000..737a90f8
--- /dev/null
+++ b/server/tests/unit/scripts/seed-config.defaults.test.js
@@ -0,0 +1,67 @@
+const {
+  DEFAULT_APPROVAL_RULES,
+  seedApprovalRules,
+} = require("../../../src/scripts/seed-config");
+
+describe("small-team default reimbursement approval rules", () => {
+  it("uses finance for every owner fallback and finance review node", () => {
+    expect(DEFAULT_APPROVAL_RULES).toEqual([
+      expect.objectContaining({
+        name: "小额",
+        level1_role: "manager",
+        level2_role: "finance",
+        level3_role: null,
+        owner_self_fallback_role: "finance",
+      }),
+      expect.objectContaining({
+        name: "中额",
+        level1_role: "manager",
+        level2_role: "finance",
+        level3_role: null,
+        owner_self_fallback_role: "finance",
+      }),
+      expect.objectContaining({
+        name: "大额",
+        level1_role: "manager",
+        level2_role: "ceo",
+        level3_role: "finance",
+        owner_self_fallback_role: "finance",
+      }),
+    ]);
+  });
+
+  it("preserves existing production approval rules instead of replacing them", async () => {
+    const approvalRule = {
+      count: vi.fn().mockResolvedValue(3),
+      createMany: vi.fn(),
+      deleteMany: vi.fn(),
+    };
+
+    await expect(seedApprovalRules({ approvalRule })).resolves.toEqual({
+      created: 0,
+      preserved: 3,
+    });
+    expect(approvalRule.createMany).not.toHaveBeenCalled();
+    expect(approvalRule.deleteMany).not.toHaveBeenCalled();
+  });
+
+  it("creates the three defaults only for an empty approval-rule table", async () => {
+    const approvalRule = {
+      count: vi.fn().mockResolvedValue(0),
+      createMany: vi.fn().mockResolvedValue({ count: 3 }),
+    };
+
+    await expect(seedApprovalRules({ approvalRule })).resolves.toEqual({
+      created: 3,
+      preserved: 0,
+    });
+    expect(approvalRule.createMany).toHaveBeenCalledWith({
+      data: DEFAULT_APPROVAL_RULES.map((item) => ({
+        ...item,
+        enabled: true,
+        created_by: null,
+        updated_by: null,
+      })),
+    });
+  });
+});
diff --git a/server/tests/unit/utils/workflow.test.js b/server/tests/unit/utils/workflow.test.js
index ec84bb0c..362d3b66 100644
--- a/server/tests/unit/utils/workflow.test.js
+++ b/server/tests/unit/utils/workflow.test.js
@@ -164,6 +164,28 @@ describe("workflow assignee resolution", () => {
       expect(resolved.actionable.assigneeRole).toBe("finance_mgr");
     });
 
+    it.each([
+      ["small", { level1_role: "manager", level2_role: "finance", level3_role: null }],
+      ["medium", { level1_role: "manager", level2_role: "finance", level3_role: null }],
+      ["large", { level1_role: "manager", level2_role: "ceo", level3_role: "finance" }],
+    ])("uses one finance fallback node for CEO owner %s rules", async (_name, rule) => {
+      const tx = buildTx({ ownerRoles: ["ceo"], managerId: null });
+
+      const steps = await workflowUtils.buildApprovalWorkflowSnapshot({
+        tx,
+        ownerId: OWNER_ID,
+        approvalRule: {
+          ...rule,
+          owner_self_fallback_role: "finance",
+        },
+      });
+
+      expect(steps.map((step) => step.assignee_rule)).toEqual([
+        { type: "role", value: "finance" },
+      ]);
+      expect(steps[0].id).toContain("owner_self_fallback");
+    });
+
     it("removes CEO self node and duplicate fallback role for large CEO owner applications", async () => {
       const tx = buildTx({ ownerRoles: ["ceo"], managerId: null });
 
@@ -225,7 +247,7 @@ describe("workflow assignee resolution", () => {
           ownerId: OWNER_ID,
           approvalRule: {
             level1_role: "manager",
-            owner_self_fallback_role: "finance_mgr",
+            owner_self_fallback_role: "finance",
           },
         }),
       ).rejects.toMatchObject({
@@ -238,7 +260,7 @@ describe("workflow assignee resolution", () => {
 
     it("blocks fallback when the owner also holds the fallback role", async () => {
       const tx = buildTx({
-        ownerRoles: ["ceo", "finance_mgr"],
+        ownerRoles: ["ceo", "finance"],
         managerId: null,
       });
 
@@ -248,7 +270,7 @@ describe("workflow assignee resolution", () => {
           ownerId: OWNER_ID,
           approvalRule: {
             level1_role: "manager",
-            owner_self_fallback_role: "finance_mgr",
+            owner_self_fallback_role: "finance",
           },
         }),
       ).rejects.toMatchObject({