feat(v2): 实现SQLite对公租赁经验加工与卡片预审轨迹闭环

backend/services/prescreen_policy.py

@@ -35,7 +35,7 @@ def _codes(findings) -> set[str]:
 def hard_blocks(findings, hard_rule_codes) -> list[dict]:
     """命中的硬性阻断项。`hard_rule_codes` 来自冻结方案里 effect=hard 且 on_match=block 的规则。"""
     wanted = set(hard_rule_codes or ())
-    return [dict(item) for item in findings or () if item.get("code") in wanted]
+    return [dict(item) for item in findings or () if item.get("code") in wanted and item.get("result") == "issue"]
 
 
 def critical_incomplete(findings, critical_check_ids) -> list[str]:
@@ -80,6 +80,10 @@ def decide(findings, missing_inputs=(), degradations=(), judgments=(),
         reason = ("关键核查未能完成，无法形成结论，请补充材料后重新发起；"
                   "不得据此判定企业高风险。未完成项：" + "、".join(incomplete))
         missing = sorted(set(missing) | set(incomplete))
+    elif degradations or missing or any(item.get("result") == "error" for item in findings or ()):
+        stage = "critical_incomplete"
+        recommendation = "insufficient_information"
+        reason = "核查存在未完成步骤或缺失材料，请补充并重新核查；不得按已通过处理"
     elif open_items:
         stage = "open_findings"
         recommendation = "supplement"