fix(web-admin): allow reimburse submit with insufficient invoice balance

Replace blocking tip with a soft warning and remove client-side submit guards.

Co-authored-by: Cursor <cursoragent@cursor.com>

web-admin/src/views/bx/reimburse/apply/index.vue

@@ -345,7 +345,7 @@
           当前发票余额：<b>{{ formatMoneyYuan(walletBalance) }}</b>
           ；本次合计：<b>{{ formatMoneyYuan(detailTotalAmount) }}</b>
           <span v-if="Number(walletBalance) < Number(detailTotalAmount)" class="invoice-balance-warn">
-            （余额不足，提交时将被拦截）
+            （余额不足，提交后余额将为负，请后续补发票）
           </span>
         </p>
         <div class="invoice-select-toolbar">
@@ -1136,22 +1136,6 @@ async function handleToolbarSubmit() {
     ElMessage.warning(`已跳过 ${skippedCount} 条不可提交的报销单（仅草稿或已驳回可提交），将继续提交其余 ${validTargets.length} 条`)
   }
 
-  // 按申请人分别校验发票余额（代申请时用申请人额度）
-  const needByApplicant = new Map<string, number>()
-  for (const row of validTargets) {
-    const aid = String(row.applicantId || currentUserId())
-    needByApplicant.set(aid, (needByApplicant.get(aid) || 0) + Number(row.amount || 0))
-  }
-  for (const [aid, need] of needByApplicant) {
-    await refreshWalletBalance(aid)
-    if (Number(walletBalance.value) < need) {
-      ElMessage.warning(
-        `发票额度不足（余额 ${formatMoneyYuan(walletBalance.value)}，本次 ${formatMoneyYuan(need)}）`
-      )
-      return
-    }
-  }
-
   loadingMap.submit = true
   try {
     const results = await Promise.allSettled(validTargets.map((row) => reimburseApi.submit(row.id)))
@@ -1309,13 +1293,6 @@ async function openFlowDialog(row?: any) {
 }
 
 async function handleSubmit(row: any) {
-  await refreshWalletBalance(String(row.applicantId || currentUserId()))
-  if (Number(walletBalance.value) < Number(row.amount || 0)) {
-    ElMessage.warning(
-      `发票额度不足（余额 ${formatMoneyYuan(walletBalance.value)}，本次 ${formatMoneyYuan(row.amount)}）`
-    )
-    return
-  }
   loadingMap[`submit_${row.id}`] = true
   try {
     await reimburseApi.submit(row.id)