feat(ai): 告警洞察生成逻辑 + 事件消费者增强

- engine.rs 新增 generate_anomaly_insights（过滤 info 级别）
- copilot_consumer 在风险评分后自动生成 warning/critical 告警洞察

crates/erp-ai/src/copilot/engine.rs

@@ -1,4 +1,4 @@
-use crate::copilot::rules::{RuleData, evaluate_rules};
+use crate::copilot::rules::{MatchedRuleData, RuleData, evaluate_rules};
 use crate::copilot::scoring::{RiskScore, calculate_risk};
 use serde_json::Value;
 
@@ -12,3 +12,84 @@ impl CopilotEngine {
         calculate_risk(matched)
     }
 }
+
+/// 根据规则匹配结果生成异常洞察
+/// 仅 warning 和 critical 级别生成告警洞察，info 级别仅在档案内展示
+pub fn generate_anomaly_insights(
+    patient_id: &str,
+    matched: &[MatchedRuleData],
+) -> Vec<serde_json::Value> {
+    matched
+        .iter()
+        .filter(|(_, _, _, severity, _)| severity == "warning" || severity == "critical")
+        .map(|(rule_id, name, score, severity, suggestion)| {
+            serde_json::json!({
+                "patient_id": patient_id,
+                "insight_type": "anomaly",
+                "source": "rule",
+                "severity": severity,
+                "title": name,
+                "content": {
+                    "rule_id": rule_id.to_string(),
+                    "score": score,
+                    "suggestion": suggestion,
+                },
+            })
+        })
+        .collect()
+}
+
+#[cfg(test)]
+mod tests {
+    use super::*;
+
+    #[test]
+    fn test_generate_anomaly_insight_critical() {
+        let matched = vec![(
+            uuid::Uuid::now_v7(),
+            "高钾血症风险".into(),
+            4,
+            "critical".into(),
+            Some("立即通知主治医生".into()),
+        )];
+        let insights = generate_anomaly_insights("patient-123", &matched);
+        assert_eq!(insights.len(), 1);
+        assert_eq!(insights[0]["severity"], "critical");
+        assert_eq!(insights[0]["insight_type"], "anomaly");
+    }
+
+    #[test]
+    fn test_generate_anomaly_insight_filters_info() {
+        let matched = vec![(
+            uuid::Uuid::now_v7(),
+            "体重轻微波动".into(),
+            1,
+            "info".into(),
+            None,
+        )];
+        let insights = generate_anomaly_insights("patient-123", &matched);
+        assert!(insights.is_empty());
+    }
+
+    #[test]
+    fn test_generate_anomaly_insight_warning_and_critical() {
+        let matched = vec![
+            (
+                uuid::Uuid::now_v7(),
+                "eGFR下降".into(),
+                3,
+                "warning".into(),
+                Some("建议调整".into()),
+            ),
+            (
+                uuid::Uuid::now_v7(),
+                "透析质量危急".into(),
+                5,
+                "critical".into(),
+                Some("紧急评估".into()),
+            ),
+        ];
+        let insights = generate_anomaly_insights("patient-123", &matched);
+        assert_eq!(insights.len(), 2);
+    }
+}