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/event/copilot_consumer.rs

@@ -58,8 +58,45 @@ async fn process_event(db: &sea_orm::DatabaseConnection, event: &erp_core::event
         },
         None => return,
     };
-    let _ =
-        crate::service::risk_service::RiskService::compute_risk(db, tenant_id, patient_id).await;
+    // 风险评分计算
+    if let Ok(risk) =
+        crate::service::risk_service::RiskService::compute_risk(db, tenant_id, patient_id).await
+    {
+        // 异常检测：告警级规则匹配生成洞察
+        let matched_with_severity: Vec<_> = risk
+            .matched_rules
+            .into_iter()
+            .map(|r| (r.rule_id, r.name, r.score, r.severity, r.suggestion))
+            .collect();
+        let anomaly_insights = crate::copilot::engine::generate_anomaly_insights(
+            &patient_id.to_string(),
+            &matched_with_severity,
+        );
+        for insight_data in anomaly_insights {
+            let severity = insight_data["severity"]
+                .as_str()
+                .unwrap_or("warning")
+                .to_string();
+            let title = insight_data["title"]
+                .as_str()
+                .unwrap_or("异常告警")
+                .to_string();
+            let _ = crate::service::insight_service::InsightService::create_insight(
+                db,
+                tenant_id,
+                patient_id,
+                "anomaly".into(),
+                "rule".into(),
+                Some(severity),
+                title,
+                insight_data,
+                None,
+                168, // 7 天过期
+                None,
+            )
+            .await;
+        }
+    }
     let _ = erp_core::events::mark_event_processed(db, event.id, "copilot_consumer").await;
 }