feat(server-go): 风险评分引擎（#9，公式/分级/阶段与环境系数）接入巡检

server-go/internal/handler/inspection.go

@@ -112,6 +112,23 @@ func createInspection(db *gorm.DB, s3 *service.S3Service, ai *service.AIClient,
 		} else {
 			raw, _ := json.Marshal(detRes.Detections)
 			rec.Detections = raw
+
+			// 风险评分（#9）：AI 置信度取检测结果最大值；环境/阶段系数在有 roomId 时按房间数据计算
+			aiConf := 0.0
+			for _, d := range detRes.Detections {
+				if d.Confidence > aiConf {
+					aiConf = d.Confidence
+				}
+			}
+			stageCoef, envCoef := loadRoomRisk(db, roomID)
+			score := service.ComputeRiskScore(service.RiskInput{
+				AI:    aiConf,
+				Env:   envCoef,
+				Stage: stageCoef,
+			})
+			rec.RiskScore = &score
+			level := service.RiskLevel(score)
+			rec.RiskLevel = &level
 		}
 
 		if err := db.Create(&rec).Error; err != nil {
@@ -130,6 +147,44 @@ func createInspection(db *gorm.DB, s3 *service.S3Service, ai *service.AIClient,
 	}
 }
 
+// loadRoomRisk 加载房间阶段系数与环境系数（无房间/无数据时返回 0）
+func loadRoomRisk(db *gorm.DB, roomID string) (stageCoef, envCoef float64) {
+	if roomID == "" {
+		return 0, 0
+	}
+	var room model.Room
+	if db.Where("id = ?", roomID).First(&room).Error != nil {
+		return 0, 0
+	}
+	if room.Stage != nil {
+		stageCoef = service.StageCoefficient(*room.Stage)
+	}
+
+	var humidity, temperature *float64
+	var h model.Telemetry
+	if err := db.Table("telemetry").
+		Select("telemetry.value").
+		Joins("JOIN devices ON devices.device_key = telemetry.device_key AND devices.room_id = ?", roomID).
+		Where("telemetry.metric = ?", "humidity").
+		Order("telemetry.timestamp DESC").
+		Limit(1).
+		First(&h).Error; err == nil {
+		humidity = &h.Value
+	}
+	var t model.Telemetry
+	if err := db.Table("telemetry").
+		Select("telemetry.value").
+		Joins("JOIN devices ON devices.device_key = telemetry.device_key AND devices.room_id = ?", roomID).
+		Where("telemetry.metric = ?", "temperature").
+		Order("telemetry.timestamp DESC").
+		Limit(1).
+		First(&t).Error; err == nil {
+		temperature = &t.Value
+	}
+	envCoef = service.EnvCoefficient(temperature, humidity)
+	return stageCoef, envCoef
+}
+
 // listInspections 巡检记录列表（roomId/limit 过滤）
 func listInspections(db *gorm.DB) gin.HandlerFunc {
 	return func(c *gin.Context) {