docs: 增加风控Agent工具白名单与意图配置

config/risk_agent_intents.json

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+{
+  "agent_type": "risk",
+  "version": 1,
+  "status": "active",
+  "priority": 100,
+  "confidence_threshold": "0.6500",
+  "max_clarification_rounds": 2,
+  "transfer_on_failure": true,
+  "classifier_instruction": "只用于只读工具查询、研判草案和边界说明，不执行人工处置。",
+  "intents": [
+    {
+      "intent_code": "risk_overview",
+      "intent_name": "风险概览",
+      "description": "奶龙风控智能助手：风险概览",
+      "examples": [
+        "查看当前风险概览",
+        "当前有多少高风险预警"
+      ],
+      "allowed_tools": [
+        "get_risk_overview"
+      ]
+    },
+    {
+      "intent_code": "risk_search",
+      "intent_name": "风险查询",
+      "description": "奶龙风控智能助手：风险查询",
+      "examples": [
+        "查询高风险预警",
+        "查看命中 RW-007 的预警"
+      ],
+      "allowed_tools": [
+        "search_risk_alerts"
+      ]
+    },
+    {
+      "intent_code": "risk_evidence",
+      "intent_name": "预警证据",
+      "description": "奶龙风控智能助手：预警证据",
+      "examples": [
+        "查询预警编号 ALERT-001 的证据",
+        "查看这条预警的证据链"
+      ],
+      "allowed_tools": [
+        "get_alert_evidence"
+      ]
+    },
+    {
+      "intent_code": "general",
+      "intent_name": "通用风控查询",
+      "description": "奶龙风控智能助手：通用风控查询",
+      "examples": [
+        "你能做什么",
+        "说明你的功能边界"
+      ],
+      "allowed_tools": []
+    }
+  ]
+}
+

config/risk_agent_tools.json

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+{
+  "release_no": "risk-agent-local-v1",
+  "namespace": "agent_tools",
+  "schema_version": "1",
+  "configs": {
+    "risk:risk_overview": {
+      "allowed_tools": [
+        "get_risk_overview"
+      ]
+    },
+    "risk:risk_search": {
+      "allowed_tools": [
+        "search_risk_alerts"
+      ]
+    },
+    "risk:risk_evidence": {
+      "allowed_tools": [
+        "get_alert_evidence"
+      ]
+    },
+    "risk:general": {
+      "allowed_tools": []
+    }
+  }
+}
+