feat: 接入旧站管理端并完整迁移后台能力

backend/internal/modules/listing/admin_filter_test.go

@@ -217,6 +217,16 @@ func TestApplyAdminListFiltersSmartRouting(t *testing.T) {
 			query:       AdminListQuery{Keyword: "12345"},
 			wantSQLFrag: "l.listing_no = ? OR EXISTS (SELECT 1 FROM rental_orders AS o WHERE o.listing_id = l.id AND o.order_no = ?) OR l.id = ?",
 		},
+		{
+			name:        "赔付方案按商品快照筛选",
+			query:       AdminListQuery{CompensationPlan: "insurance"},
+			wantSQLFrag: "l.compensation_plan = ?",
+		},
+		{
+			name:        "极品专区按商品快照筛选",
+			query:       AdminListQuery{Zone: "premium"},
+			wantSQLFrag: "l.is_premium = ?",
+		},
 	}
 
 	for _, tt := range tests {

backend/internal/modules/listing/dto.go

@@ -15,6 +15,7 @@ type ListingDTO struct {
 	OwnerID                    uint64         `json:"owner_id"`
 	OwnerPhone                 string         `json:"owner_phone,omitempty"`
 	OwnerNickname              string         `json:"owner_nickname,omitempty"`
+	OwnerIsQualityOwner        bool           `json:"owner_is_quality_owner"`
 	SourceChannel              string         `json:"source_channel,omitempty"`
 	IsExternalUpload           bool           `json:"is_external_upload"`
 	Title                      string         `json:"title"`
@@ -41,22 +42,29 @@ type ListingDTO struct {
 	DistributionSiteID         *uint64        `json:"distribution_site_id,omitempty"`
 	DistributionSiteCode       string         `json:"distribution_site_code,omitempty"`
 	DistributionSiteName       string         `json:"distribution_site_name,omitempty"`
+	IsPremium                  bool           `json:"is_premium"`
+	CompensationPlan           string         `json:"compensation_plan"`
+	InsuranceFeeBps            int            `json:"insurance_fee_bps"`
 	ListingGroupConversationID uint64         `json:"listing_group_conversation_id,omitempty"`
 	CreatedAt                  time.Time      `json:"created_at"`
 	UpdatedAt                  time.Time      `json:"updated_at"`
 }
 
 type CreateRequest struct {
-	Title             string         `json:"title" binding:"required"`
-	Description       string         `json:"description"`
-	ServerRegion      string         `json:"server_region" binding:"required"`
-	LoginPlatform     string         `json:"login_platform"`
-	RankLevel         string         `json:"rank_level"`
-	HafCoinAmount     int64          `json:"haf_coin_amount"`
-	AssetSummary      map[string]any `json:"asset_summary"`
-	ScreenshotURLS    []string       `json:"screenshot_urls"`
-	PriceCent         int64          `json:"price_cent"`
-	DepositAmountCent int64          `json:"deposit_amount_cent"`
+	Title               string         `json:"title" binding:"required"`
+	Description         string         `json:"description"`
+	ServerRegion        string         `json:"server_region" binding:"required"`
+	LoginPlatform       string         `json:"login_platform"`
+	RankLevel           string         `json:"rank_level"`
+	HafCoinAmount       int64          `json:"haf_coin_amount"`
+	AssetSummary        map[string]any `json:"asset_summary"`
+	ScreenshotURLS      []string       `json:"screenshot_urls"`
+	PriceCent           int64          `json:"price_cent"`
+	DepositAmountCent   int64          `json:"deposit_amount_cent"`
+	IsPremium           bool           `json:"is_premium"`
+	CompensationPlan    string         `json:"compensation_plan" binding:"omitempty,oneof=normal insurance"`
+	InsuranceFeeBps     int            `json:"-"` // 服务端按配置和用户资格生成，不接受前端指定。
+	OwnerIsQualityOwner bool           `json:"-"` // 服务端鉴权结果，用于校验优质号主专享比例。
 
 	AgreedVirtualAssetSale bool `json:"agreed_virtual_asset_sale"`
 	AgreedSellerAgreement  bool `json:"agreed_seller_agreement"`
@@ -102,22 +110,24 @@ type AdminUpdateScreenshotsRequest struct {
 }
 
 type AdminListQuery struct {
-	OwnerID      uint64
-	Keyword      string
-	Status       string
-	ReviewStatus string
-	Insurance    []string
-	Stamina      []string
-	Load         []string
-	SkinGroup    []string
-	SkinName     []string
-	MinCoin      *float64
-	MaxCoin      *float64
-	MinDeposit   *float64
-	MaxDeposit   *float64
-	Limit        int
-	Page         int
-	PageSize     int
+	OwnerID          uint64
+	Keyword          string
+	Status           string
+	ReviewStatus     string
+	CompensationPlan string
+	Zone             string
+	Insurance        []string
+	Stamina          []string
+	Load             []string
+	SkinGroup        []string
+	SkinName         []string
+	MinCoin          *float64
+	MaxCoin          *float64
+	MinDeposit       *float64
+	MaxDeposit       *float64
+	Limit            int
+	Page             int
+	PageSize         int
 }
 
 type AdminListResult struct {
@@ -160,6 +170,8 @@ type PublicListQuery struct {
 	MaxSecretKD          *float64
 	ResourceRanges       map[string]NumberRange
 	DistributionSiteCode string
+	ViewerUserID         uint64
+	CanViewPremium       bool
 }
 
 type NumberRange struct {

backend/internal/modules/listing/handler_error.go

@@ -57,6 +57,10 @@ func writeListingError(c *gin.Context, err error) {
 		response.BadRequest(c, "发布比例必须在参考比例至参考比例加 10 之间")
 	case errors.Is(err, ErrDistributionSiteInvalid):
 		response.BadRequest(c, "分销站点无效或已停用")
+	case errors.Is(err, ErrPremiumOwnerRequired):
+		response.Error(c, http.StatusForbidden, "quality_owner_required", "仅优质号主可以发布到极品专区")
+	case errors.Is(err, ErrQualityRatioPremiumOnly):
+		response.BadRequest(c, "优质号主专享比例仅可用于极品专区")
 	case isUploadValidationError(err):
 		response.BadRequest(c, err.Error())
 	case isFireLevelTooLow(err):

backend/internal/modules/listing/handler_parse.go

@@ -75,6 +75,8 @@ func parseAdminListQuery(c *gin.Context) (AdminListQuery, bool) {
 	query.Keyword = strings.TrimSpace(c.Query("keyword"))
 	query.Status = c.Query("status")
 	query.ReviewStatus = c.Query("review_status")
+	query.CompensationPlan = strings.TrimSpace(c.Query("compensation_plan"))
+	query.Zone = strings.TrimSpace(c.Query("zone"))
 	query.Insurance = parseCSVQuery(c.Query("insurance"))
 	query.Stamina = parseCSVQuery(c.Query("stamina"))
 	query.Load = parseCSVQuery(c.Query("load"))

backend/internal/modules/listing/handler_public.go

@@ -4,6 +4,7 @@ import (
 	"net/http"
 	"strconv"
 
+	"hfb_jysh/backend/internal/middleware"
 	filemodule "hfb_jysh/backend/internal/modules/file"
 	"hfb_jysh/backend/internal/sitecode"
 	"hfb_jysh/backend/pkg/response"
@@ -12,7 +13,9 @@ import (
 )
 
 func (h *Handler) ListPublic(c *gin.Context) {
-	items, err := h.service.ListPublic(c.Request.Context(), parsePublicListQuery(c))
+	query := parsePublicListQuery(c)
+	query.ViewerUserID = optionalCurrentUserID(c)
+	items, err := h.service.ListPublic(c.Request.Context(), query)
 	if err != nil {
 		writeListingError(c, err)
 		return
@@ -26,7 +29,7 @@ func (h *Handler) FindPublic(c *gin.Context) {
 		return
 	}
 	siteCode := sitecode.FromRequest(c)
-	item, err := h.service.FindPublic(c.Request.Context(), id, siteCode)
+	item, err := h.service.FindPublic(c.Request.Context(), id, siteCode, optionalCurrentUserID(c))
 	if err != nil {
 		writeListingError(c, err)
 		return
@@ -34,6 +37,15 @@ func (h *Handler) FindPublic(c *gin.Context) {
 	response.OK(c, item)
 }
 
+func optionalCurrentUserID(c *gin.Context) uint64 {
+	value, ok := c.Get(middleware.ContextUserID)
+	if !ok {
+		return 0
+	}
+	userID, _ := value.(uint64)
+	return userID
+}
+
 func (h *Handler) Cover(c *gin.Context) {
 	id, ok := parseID(c)
 	if !ok {

backend/internal/modules/listing/mutation.go

@@ -76,6 +76,9 @@ func (r *Repository) Create(ctx context.Context, ownerID uint64, req CreateReque
 			OwnerID:            ownerID,
 			PriceCent:          priceCent,
 			DepositAmountCent:  req.DepositAmountCent,
+			IsPremium:          req.IsPremium,
+			CompensationPlan:   req.CompensationPlan,
+			InsuranceFeeBps:    req.InsuranceFeeBps,
 			Status:             listingStatus,
 			ReviewStatus:       reviewStatus,
 			PublishedAt:        publishedAt,
@@ -289,6 +292,9 @@ func (r *Repository) Update(ctx context.Context, ownerID uint64, listingID uint6
 
 		listing.PriceCent = normalizedListingPriceCent(req)
 		listing.DepositAmountCent = req.DepositAmountCent
+		listing.IsPremium = req.IsPremium
+		listing.CompensationPlan = req.CompensationPlan
+		listing.InsuranceFeeBps = req.InsuranceFeeBps
 		fromStatus := listing.Status
 		listingStatus, reviewStatus, publishedAt := initialPublishState(reviewRequired)
 		listing.Status = listingStatus

backend/internal/modules/listing/premium_visibility_test.go

@@ -0,0 +1,82 @@
+package listing
+
+import (
+	"context"
+	"errors"
+	"testing"
+
+	"hfb_jysh/backend/internal/database"
+	"hfb_jysh/backend/internal/model"
+
+	"gorm.io/gorm"
+)
+
+func TestPremiumListingOnlyVisibleToPlatinumUsers(t *testing.T) {
+	db := database.NewTestDB()
+	if err := database.MigrateListingLifecycleTestSchema(db); err != nil {
+		t.Fatalf("migrate listing schema: %v", err)
+	}
+	if err := database.AutoMigrateIfMissing(db, &model.User{}, &model.SystemConfig{}); err != nil {
+		t.Fatalf("migrate user schema: %v", err)
+	}
+	users := []model.User{
+		{Phone: "13900001101", RenterGrowthLevel: "normal"},
+		{
+			Phone:                     "13900001102",
+			RenterGrowthLevel:         "platinum",
+			RenterGrowthLevelOverride: "platinum",
+		},
+	}
+	if err := db.Create(&users).Error; err != nil {
+		t.Fatalf("create users: %v", err)
+	}
+	account := model.GameAccount{Title: "极品账号", GameName: "delta", Status: "active", HafCoinAmount: 100_000_000}
+	if err := db.Create(&account).Error; err != nil {
+		t.Fatalf("create account: %v", err)
+	}
+	item := model.RentalListing{
+		ListingNo:     "L-PREMIUM-1",
+		AccountID:     account.ID,
+		Status:        "published",
+		ReviewStatus:  "approved",
+		PriceCent:     20_000,
+		IsPremium:     true,
+		PublishedAt:   nil,
+		InTransaction: false,
+	}
+	if err := db.Create(&item).Error; err != nil {
+		t.Fatalf("create listing: %v", err)
+	}
+	repo := NewRepository(db, nil)
+
+	anonymous, err := repo.ListPublic(context.Background(), PublicListQuery{})
+	if err != nil {
+		t.Fatalf("anonymous ListPublic: %v", err)
+	}
+	if len(anonymous.Items) != 0 || anonymous.Total != 0 || anonymous.ZoneCounts["premium"] != 0 {
+		t.Fatalf("anonymous should not see premium listing: %+v", anonymous)
+	}
+
+	regular, err := repo.ListPublic(context.Background(), PublicListQuery{ViewerUserID: users[0].ID})
+	if err != nil {
+		t.Fatalf("regular ListPublic: %v", err)
+	}
+	if len(regular.Items) != 0 || regular.Total != 0 {
+		t.Fatalf("regular user should not see premium listing: %+v", regular)
+	}
+
+	platinum, err := repo.ListPublic(context.Background(), PublicListQuery{ViewerUserID: users[1].ID})
+	if err != nil {
+		t.Fatalf("platinum ListPublic: %v", err)
+	}
+	if len(platinum.Items) != 1 || platinum.Total != 1 || platinum.ZoneCounts["premium"] != 1 {
+		t.Fatalf("platinum user should see premium listing: %+v", platinum)
+	}
+
+	if _, err := repo.FindPublic(context.Background(), item.ID, "", users[0].ID); !errors.Is(err, gorm.ErrRecordNotFound) {
+		t.Fatalf("regular detail error = %v, want record not found", err)
+	}
+	if _, err := repo.FindPublic(context.Background(), item.ID, "", users[1].ID); err != nil {
+		t.Fatalf("platinum should see premium detail: %v", err)
+	}
+}

backend/internal/modules/listing/presenter.go

@@ -17,6 +17,7 @@ type listingRow struct {
 	Title                string
 	OwnerPhone           string
 	OwnerNickname        string
+	OwnerIsQualityOwner  bool   `gorm:"column:owner_is_quality_owner"`
 	DisplaySourceChannel string `gorm:"column:display_source_channel"`
 	IsExternalUpload     bool   `gorm:"column:is_external_upload"`
 	DistributionSiteCode string `gorm:"column:distribution_site_code"`
@@ -225,6 +226,7 @@ func (row listingRow) toDTO() ListingDTO {
 		OwnerID:              row.OwnerID,
 		OwnerPhone:           row.OwnerPhone,
 		OwnerNickname:        row.OwnerNickname,
+		OwnerIsQualityOwner:  row.OwnerIsQualityOwner,
 		SourceChannel:        row.DisplaySourceChannel,
 		IsExternalUpload:     row.IsExternalUpload,
 		Title:                row.Title,
@@ -249,6 +251,9 @@ func (row listingRow) toDTO() ListingDTO {
 		DistributionSiteID:   row.DistributionSiteID,
 		DistributionSiteCode: row.DistributionSiteCode,
 		DistributionSiteName: row.DistributionSiteName,
+		IsPremium:            row.IsPremium,
+		CompensationPlan:     normalizedCompensationPlan(row.CompensationPlan),
+		InsuranceFeeBps:      row.InsuranceFeeBps,
 		ReviewReason:         reviewReason,
 		PublishedAt:          row.PublishedAt,
 		CreatedAt:            row.CreatedAt,
@@ -285,6 +290,9 @@ func toDTO(account model.GameAccount, listing model.RentalListing) *ListingDTO {
 		SettlementMode:     listing.SettlementMode,
 		ManagedAdminID:     listing.ManagedAdminID,
 		DistributionSiteID: listing.DistributionSiteID,
+		IsPremium:          listing.IsPremium,
+		CompensationPlan:   normalizedCompensationPlan(listing.CompensationPlan),
+		InsuranceFeeBps:    listing.InsuranceFeeBps,
 		ReviewReason:       reviewReason,
 		PublishedAt:        listing.PublishedAt,
 		CreatedAt:          listing.CreatedAt,
@@ -292,6 +300,13 @@ func toDTO(account model.GameAccount, listing model.RentalListing) *ListingDTO {
 	}
 }
 
+func normalizedCompensationPlan(plan string) string {
+	if plan == CompensationPlanInsurance {
+		return CompensationPlanInsurance
+	}
+	return CompensationPlanNormal
+}
+
 func normalizedReviewState(status string, reviewStatus string, reviewReason string) (string, string) {
 	if status == "offline" {
 		return "none", reviewReason

backend/internal/modules/listing/public_filter.go

@@ -20,6 +20,9 @@ func filterPublicListings(items []ListingDTO, query PublicListQuery) []ListingDT
 }
 
 func matchesPublicQuery(item ListingDTO, query PublicListQuery) bool {
+	if item.IsPremium && !query.CanViewPremium {
+		return false
+	}
 	if !matchesPublicZone(item, query.Zone) {
 		return false
 	}
@@ -188,6 +191,8 @@ func matchesPublicZone(item ListingDTO, zone string) bool {
 		return strings.Contains(item.LoginPlatform, "账密") || strings.Contains(item.LoginPlatform, "账号密码")
 	case "highCoin":
 		return coinMFromListing(item) >= 100
+	case "premium":
+		return item.IsPremium
 	default:
 		return true
 	}
@@ -201,9 +206,10 @@ func publicZoneCounts(items []ListingDTO) map[string]int64 {
 		"night":    0,
 		"password": 0,
 		"highCoin": 0,
+		"premium":  0,
 	}
 	for _, item := range items {
-		for _, zone := range []string{"sale", "gift", "night", "password", "highCoin"} {
+		for _, zone := range []string{"sale", "gift", "night", "password", "highCoin", "premium"} {
 			if matchesPublicZone(item, zone) {
 				counts[zone]++
 			}

backend/internal/modules/listing/public_filter_test.go

@@ -1,6 +1,11 @@
 package listing
 
-import "testing"
+import (
+	"testing"
+
+	"hfb_jysh/backend/internal/database"
+	"hfb_jysh/backend/internal/model"
+)
 
 func TestFilterPublicListingsByRatio(t *testing.T) {
 	minRatio := 20.0
@@ -46,6 +51,48 @@ func TestFilterPublicListingsByRoundedRatio(t *testing.T) {
 	}
 }
 
+func TestMatchesPublicZonePremium(t *testing.T) {
+	premium := ListingDTO{ID: 1, IsPremium: true}
+	ordinary := ListingDTO{ID: 2}
+	if !matchesPublicZone(premium, "premium") {
+		t.Fatal("premium listing should match premium zone")
+	}
+	if matchesPublicZone(ordinary, "premium") {
+		t.Fatal("ordinary listing should not match premium zone")
+	}
+}
+
+func TestPremiumListingRequiresPremiumLevelVisibility(t *testing.T) {
+	premium := ListingDTO{ID: 1, IsPremium: true}
+	if matchesPublicQuery(premium, PublicListQuery{}) {
+		t.Fatal("未授权用户不应匹配极品专区账号")
+	}
+	if !matchesPublicQuery(premium, PublicListQuery{CanViewPremium: true}) {
+		t.Fatal("铂金及以上用户应匹配极品专区账号")
+	}
+}
+
+func TestCanViewPremiumUsesEffectiveUserLevel(t *testing.T) {
+	db := database.NewTestDB()
+	if err := database.AutoMigrateIfMissing(db, &model.User{}, &model.SystemConfig{}); err != nil {
+		t.Fatalf("migrate failed: %v", err)
+	}
+	users := []model.User{
+		{Phone: "13900001001", RenterGrowthLevel: "normal"},
+		{Phone: "13900001002", RenterGrowthLevel: "platinum", RenterGrowthLevelOverride: "platinum"},
+	}
+	if err := db.Create(&users).Error; err != nil {
+		t.Fatalf("create users failed: %v", err)
+	}
+	repo := NewRepository(db, nil)
+	if allowed, err := repo.canViewPremium(t.Context(), users[0].ID); err != nil || allowed {
+		t.Fatalf("普通用户可见性 = %v, err = %v, want false", allowed, err)
+	}
+	if allowed, err := repo.canViewPremium(t.Context(), users[1].ID); err != nil || !allowed {
+		t.Fatalf("铂金用户可见性 = %v, err = %v, want true", allowed, err)
+	}
+}
+
 func TestFilterPublicListingsRegionMultiSelectRequiresAll(t *testing.T) {
 	items := []ListingDTO{
 		{

backend/internal/modules/listing/public_query.go

@@ -6,11 +6,19 @@ import (
 	"strings"
 	"time"
 
+	"hfb_jysh/backend/internal/model"
+	"hfb_jysh/backend/internal/modules/rentergrowth"
+
 	"gorm.io/datatypes"
 	"gorm.io/gorm"
 )
 
 func (r *Repository) ListPublic(ctx context.Context, query PublicListQuery) (*PublicListResult, error) {
+	canViewPremium, err := r.canViewPremium(ctx, query.ViewerUserID)
+	if err != nil {
+		return nil, err
+	}
+	query.CanViewPremium = canViewPremium
 	page, pageSize := normalizedPublicPage(query)
 	if canListPublicWithSQL(query) {
 		return r.listPublicPage(ctx, query, page, pageSize)
@@ -25,7 +33,8 @@ func (r *Repository) ListPublic(ctx context.Context, query PublicListQuery) (*Pu
 	}
 
 	var rows []listingRow
-	err := db.Order("l.published_at DESC, l.id DESC").
+	db = applyPremiumVisibility(db, query)
+	err = db.Order("l.published_at DESC, l.id DESC").
 		Scan(&rows).Error
 	if err != nil {
 		return nil, err
@@ -67,7 +76,7 @@ func (r *Repository) ListPublic(ctx context.Context, query PublicListQuery) (*Pu
 
 func (r *Repository) listPublicPage(ctx context.Context, query PublicListQuery, page int, pageSize int) (*PublicListResult, error) {
 	var total int64
-	if err := r.db.WithContext(ctx).Table("rental_listings AS l").
+	if err := applyPremiumVisibility(r.db.WithContext(ctx).Table("rental_listings AS l"), query).
 		Where("l.status = ? AND l.review_status = ? AND l.in_transaction = ?", "published", "approved", false).
 		Count(&total).Error; err != nil {
 		return nil, err
@@ -75,7 +84,7 @@ func (r *Repository) listPublicPage(ctx context.Context, query PublicListQuery,
 
 	var rows []listingRow
 	offset := (page - 1) * pageSize
-	err := applyPublicSQLSort(r.baseQuery(ctx), query.Sort).
+	err := applyPublicSQLSort(applyPremiumVisibility(r.baseQuery(ctx), query), query.Sort).
 		Where("l.status = ? AND l.review_status = ? AND l.in_transaction = ?", "published", "approved", false).
 		Limit(pageSize).
 		Offset(offset).
@@ -83,10 +92,14 @@ func (r *Repository) listPublicPage(ctx context.Context, query PublicListQuery,
 	if err != nil {
 		return nil, err
 	}
-	zoneCounts, err := r.publicZoneCountsCached(ctx)
+	zoneCounts, nonPremiumTotal, err := r.publicZoneCountsCached(ctx)
 	if err != nil {
 		return nil, err
 	}
+	if !query.CanViewPremium {
+		zoneCounts["all"] = nonPremiumTotal
+		zoneCounts["premium"] = 0
+	}
 	return &PublicListResult{
 		Items:      publicListings(rowsToDTO(rows)),
 		Total:      total,
@@ -96,6 +109,13 @@ func (r *Repository) listPublicPage(ctx context.Context, query PublicListQuery,
 	}, nil
 }
 
+func applyPremiumVisibility(tx *gorm.DB, query PublicListQuery) *gorm.DB {
+	if query.CanViewPremium {
+		return tx
+	}
+	return tx.Where("l.is_premium = ?", false)
+}
+
 func normalizedPublicPage(query PublicListQuery) (int, int) {
 	page := query.Page
 	if page <= 0 {
@@ -175,22 +195,22 @@ func publicShuffleSeed() int64 {
 	return int64(now.Year()*366 + now.YearDay())
 }
 
-func (r *Repository) publicZoneCountsCached(ctx context.Context) (map[string]int64, error) {
+func (r *Repository) publicZoneCountsCached(ctx context.Context) (map[string]int64, int64, error) {
 	now := time.Now()
 	r.publicZoneCountsMu.Lock()
 	defer r.publicZoneCountsMu.Unlock()
 	if r.publicZoneCounts.Counts != nil && now.Before(r.publicZoneCounts.ExpiresAt) {
-		return copyPublicZoneCounts(r.publicZoneCounts.Counts), nil
+		return copyPublicZoneCounts(r.publicZoneCounts.Counts), r.publicZoneCounts.NonPremiumTotal, nil
 	}
 
 	var rows []publicZoneRow
 	err := r.db.WithContext(ctx).Table("rental_listings AS l").
-		Select("a.login_platform, a.haf_coin_amount, a.asset_summary").
+		Select("a.login_platform, a.haf_coin_amount, a.asset_summary, l.is_premium").
 		Joins("JOIN game_accounts AS a ON a.id = l.account_id").
 		Where("l.status = ? AND l.review_status = ? AND l.in_transaction = ?", "published", "approved", false).
 		Scan(&rows).Error
 	if err != nil {
-		return nil, err
+		return nil, 0, err
 	}
 	counts := map[string]int64{
 		"all":      int64(len(rows)),
@@ -199,7 +219,9 @@ func (r *Repository) publicZoneCountsCached(ctx context.Context) (map[string]int
 		"night":    0,
 		"password": 0,
 		"highCoin": 0,
+		"premium":  0,
 	}
+	var nonPremiumTotal int64
 	for _, row := range rows {
 		summary := decodeAssetSummary(row.AssetSummary)
 		if isAcceleratedSale(summary) {
@@ -217,12 +239,18 @@ func (r *Repository) publicZoneCountsCached(ctx context.Context) (map[string]int
 		if float64(row.HafCoinAmount)/1000000 >= 100 {
 			counts["highCoin"]++
 		}
+		if row.IsPremium {
+			counts["premium"]++
+		} else {
+			nonPremiumTotal++
+		}
 	}
 	r.publicZoneCounts = publicZoneCountCache{
-		Counts:    counts,
-		ExpiresAt: now.Add(publicZoneCountCacheTTL),
+		Counts:          counts,
+		NonPremiumTotal: nonPremiumTotal,
+		ExpiresAt:       now.Add(publicZoneCountCacheTTL),
 	}
-	return copyPublicZoneCounts(counts), nil
+	return copyPublicZoneCounts(counts), nonPremiumTotal, nil
 }
 
 func copyPublicZoneCounts(counts map[string]int64) map[string]int64 {
@@ -233,11 +261,20 @@ func copyPublicZoneCounts(counts map[string]int64) map[string]int64 {
 	return copied
 }
 
-func (r *Repository) FindPublic(ctx context.Context, id uint64, siteCode string) (*ListingDTO, error) {
+func (r *Repository) FindPublic(ctx context.Context, id uint64, siteCode string, viewerUserID uint64) (*ListingDTO, error) {
 	dto, err := r.findDTO(ctx, "l.id = ? AND l.status = ? AND l.review_status = ? AND l.in_transaction = ?", id, "published", "approved", false)
 	if err != nil {
 		return nil, err
 	}
+	if dto.IsPremium {
+		canView, err := r.canViewPremium(ctx, viewerUserID)
+		if err != nil {
+			return nil, err
+		}
+		if !canView {
+			return nil, gorm.ErrRecordNotFound
+		}
+	}
 	applyPublicListingURLs(dto)
 	applyPublicListingPrice(dto)
 	items := []ListingDTO{*dto}
@@ -248,6 +285,30 @@ func (r *Repository) FindPublic(ctx context.Context, id uint64, siteCode string)
 	return dto, nil
 }
 
+func (r *Repository) canViewPremium(ctx context.Context, userID uint64) (bool, error) {
+	if userID == 0 {
+		return false, nil
+	}
+	var user model.User
+	if err := r.db.WithContext(ctx).
+		Select("id, renter_growth_points, renter_growth_level_override").
+		First(&user, userID).Error; err != nil {
+		if err == gorm.ErrRecordNotFound {
+			return false, nil
+		}
+		return false, err
+	}
+	cfg, err := rentergrowth.ConfigForTx(r.db.WithContext(ctx))
+	if err != nil {
+		return false, err
+	}
+	level := rentergrowth.EffectiveLevelForUser(cfg, user.RenterGrowthPoints, user.RenterGrowthLevelOverride)
+	if !cfg.Enabled && user.RenterGrowthLevelOverride == "" {
+		level = rentergrowth.LevelForPoints(cfg, 0)
+	}
+	return rentergrowth.CanViewPremiumLevel(level.Code), nil
+}
+
 func (r *Repository) applyShelfMarkup(ctx context.Context, siteCode string, items []ListingDTO) error {
 	if siteCode == "" || len(items) == 0 {
 		return nil
@@ -320,4 +381,5 @@ type publicZoneRow struct {
 	LoginPlatform string
 	HafCoinAmount int64
 	AssetSummary  datatypes.JSON `gorm:"column:asset_summary"`
+	IsPremium     bool           `gorm:"column:is_premium"`
 }

backend/internal/modules/listing/quality_owner_entitlement_test.go

@@ -0,0 +1,67 @@
+package listing
+
+import (
+	"errors"
+	"testing"
+
+	"hfb_jysh/backend/internal/database"
+	"hfb_jysh/backend/internal/model"
+	"hfb_jysh/backend/internal/modules/qualityowner"
+)
+
+func TestApplyPublishEntitlementsPremiumInsurance(t *testing.T) {
+	db := database.NewTestDB()
+	owner := model.User{
+		Phone:              "13900009311",
+		RealnameStatus:     "verified",
+		Status:             "active",
+		QualityOwnerStatus: qualityowner.StatusActive,
+	}
+	if err := db.Create(&owner).Error; err != nil {
+		t.Fatalf("创建优质号主失败: %v", err)
+	}
+	service := NewService(NewRepository(db, nil), stubConfigReader{
+		qualityowner.ConfigKey: qualityowner.DefaultConfigValue(),
+	})
+
+	req := CreateRequest{
+		IsPremium:        true,
+		CompensationPlan: CompensationPlanInsurance,
+	}
+	if err := service.applyPublishEntitlements(t.Context(), owner.ID, &req); err != nil {
+		t.Fatalf("应用优质号主发布权益失败: %v", err)
+	}
+	if req.InsuranceFeeBps != 400 {
+		t.Fatalf("极品专区保险费率 = %d, want 400", req.InsuranceFeeBps)
+	}
+	if !req.OwnerIsQualityOwner {
+		t.Fatal("优质号主发布请求未标记专享比例资格")
+	}
+
+	ordinary := CreateRequest{CompensationPlan: CompensationPlanInsurance}
+	if err := service.applyPublishEntitlements(t.Context(), owner.ID, &ordinary); err != nil {
+		t.Fatalf("应用普通发布权益失败: %v", err)
+	}
+	if ordinary.InsuranceFeeBps != 800 {
+		t.Fatalf("普通保险费率 = %d, want 800", ordinary.InsuranceFeeBps)
+	}
+}
+
+func TestApplyPublishEntitlementsRejectsNonQualityPremiumOwner(t *testing.T) {
+	db := database.NewTestDB()
+	owner := model.User{
+		Phone:          "13900009312",
+		RealnameStatus: "verified",
+		Status:         "active",
+	}
+	if err := db.Create(&owner).Error; err != nil {
+		t.Fatalf("创建普通号主失败: %v", err)
+	}
+	service := NewService(NewRepository(db, nil), stubConfigReader{
+		qualityowner.ConfigKey: qualityowner.DefaultConfigValue(),
+	})
+	req := CreateRequest{IsPremium: true, CompensationPlan: CompensationPlanInsurance}
+	if err := service.applyPublishEntitlements(t.Context(), owner.ID, &req); !errors.Is(err, ErrPremiumOwnerRequired) {
+		t.Fatalf("error = %v, want ErrPremiumOwnerRequired", err)
+	}
+}

backend/internal/modules/listing/query.go

@@ -105,6 +105,15 @@ func (r *Repository) applyAdminListFilters(db *gorm.DB, query AdminListQuery) *g
 	if query.ReviewStatus != "" {
 		db = db.Where("l.review_status = ?", query.ReviewStatus)
 	}
+	if query.CompensationPlan != "" {
+		db = db.Where("l.compensation_plan = ?", query.CompensationPlan)
+	}
+	switch query.Zone {
+	case "premium":
+		db = db.Where("l.is_premium = ?", true)
+	case "normal":
+		db = db.Where("l.is_premium = ?", false)
+	}
 	if query.MinCoin != nil {
 		db = db.Where(
 			"EXISTS (SELECT 1 FROM game_accounts AS coin_account WHERE coin_account.id = l.account_id AND coin_account.haf_coin_amount >= ?)",
@@ -200,6 +209,7 @@ func (r *Repository) baseQuery(ctx context.Context) *gorm.DB {
 	return r.db.WithContext(ctx).Table("rental_listings AS l").
 		Select(`l.*, a.title, a.description, a.game_name, a.server_region, a.login_platform, a.rank_level,
 			a.haf_coin_amount, a.asset_summary, a.screenshot_urls, COALESCE(u.phone, '') AS owner_phone, COALESCE(u.nickname, '') AS owner_nickname,
+			COALESCE(u.quality_owner_status = 'active', 0) AS owner_is_quality_owner,
 			CASE WHEN lu.id IS NULL THEN 0 ELSE 1 END AS is_external_upload,
 			COALESCE(src_site.site_code, '') AS distribution_site_code,
 			COALESCE(src_site.site_name, '') AS distribution_site_name,

backend/internal/modules/listing/receive_pricing.go

@@ -72,7 +72,7 @@ func (s *Service) applyMainSiteReceivePricing(ctx context.Context, req *CreateRe
 		return err
 	}
 	applyMainSiteReceivePricing(req, options, config, receiveRatioDelta, receiveCostDelta, onDistributionSite)
-	return nil
+	return validateQualityOwnerPricingMode(req, onDistributionSite)
 }
 
 func applyMainSiteReceivePricing(req *CreateRequest, options systemconfig.PublishOptionsDTO, config salePriceConfig, receiveRatioDelta, receiveCostDelta float64, onDistributionSite bool) {
@@ -93,9 +93,19 @@ func applyMainSiteReceivePricing(req *CreateRequest, options systemconfig.Publis
 	if requestedRatioBPS <= 0 {
 		requestedRatioBPS = summaryBPS(breakdown, "accelerated_sale_ratio_bps", "accelerated_sale_ratio")
 	}
+	minSellerRatioBPS := referenceRatioBPS
+	if req.OwnerIsQualityOwner {
+		minSellerRatioBPS -= ratioToBPS(
+			NormalizeQualityOwnerRatioDiscount(options.RatioConfig.QualityOwnerRatioDiscount),
+		)
+		minFloorBPS := ratioToBPS(minSiteReceiveRatio)
+		if minSellerRatioBPS < minFloorBPS {
+			minSellerRatioBPS = minFloorBPS
+		}
+	}
 	costDelta := NormalizeSiteReceiveCostDelta(receiveCostDelta)
 	ratioDelta := NormalizeSiteReceiveRatioDelta(receiveRatioDelta)
-	sellerRatioBPS := clampSaleRatioBPS(referenceRatioBPS, requestedRatioBPS)
+	sellerRatioBPS := clampSaleRatioFloorBPS(referenceRatioBPS, requestedRatioBPS, minSellerRatioBPS)
 	// 分站新口径：收号比例 = R + 压价点数（收号价更低），买家定价锚定主站参考比例 R，不随收号价联动。
 	if onDistributionSite {
 		sellerRatioBPS = applySiteReceiveCostDeltaBPS(referenceRatioBPS, costDelta)
@@ -117,6 +127,33 @@ func applyMainSiteReceivePricing(req *CreateRequest, options systemconfig.Publis
 		consumablePriceCent,
 		config,
 	)
+	if req.IsPremium {
+		premiumMarkupBPS := ratioToBPS(
+			NormalizePremiumReviewRatioMarkup(options.RatioConfig.PremiumReviewRatioMarkup),
+		)
+		if premiumMarkupBPS > 0 && pricing.BuyerRatioBPS > premiumMarkupBPS {
+			beforeRatioBPS := pricing.BuyerRatioBPS
+			afterRatioBPS := beforeRatioBPS - premiumMarkupBPS
+			buyerCoinBasePriceCent := sellerCoinBasePriceCentFromHafCoin(
+				req.HafCoinAmount,
+				afterRatioBPS,
+			)
+			pricing = buildExternalPlatformPricingCent(
+				req.HafCoinAmount,
+				sellerCoinBasePriceCent,
+				consumablePriceCent,
+				buyerCoinBasePriceCent,
+				pricing.RuleType,
+			)
+			breakdown["premium_review_ratio_markup"] = bpsToRatio(premiumMarkupBPS)
+			breakdown["premium_review_ratio_markup_bps"] = premiumMarkupBPS
+			breakdown["premium_review_ratio_before"] = roundRatio(bpsToRatio(beforeRatioBPS))
+			breakdown["premium_review_ratio_before_bps"] = beforeRatioBPS
+			breakdown["premium_review_ratio_after"] = roundRatio(bpsToRatio(pricing.BuyerRatioBPS))
+			breakdown["premium_review_ratio_after_bps"] = pricing.BuyerRatioBPS
+			breakdown["premium_review_ratio_markup_applied"] = true
+		}
+	}
 	dailyLossRatioAdjustmentBPS := calculateDailyLossRatioAdjustmentBPS(req.AssetSummary)
 
 	// 规范字段：整数分 + 基点。
@@ -139,6 +176,11 @@ func applyMainSiteReceivePricing(req *CreateRequest, options systemconfig.Publis
 	breakdown["daily_loss_ratio_adjustment"] = bpsToRatio(dailyLossRatioAdjustmentBPS)
 	breakdown["accelerated_sale_ratio"] = bpsToRatio(sellerRatioBPS)
 	breakdown["accelerated_sale_ratio_bps"] = sellerRatioBPS
+	if sellerRatioBPS < referenceRatioBPS {
+		breakdown["quality_owner_ratio_discount"] = bpsToRatio(referenceRatioBPS - sellerRatioBPS)
+		breakdown["quality_owner_ratio_discount_bps"] = referenceRatioBPS - sellerRatioBPS
+		breakdown["pricing_mode"] = "quality_owner_exclusive"
+	}
 	if onDistributionSite {
 		breakdown["site_receive_cost_delta"] = costDelta
 		breakdown["pricing_model"] = "site_cost_decoupled_v1"
@@ -155,6 +197,18 @@ func applyMainSiteReceivePricing(req *CreateRequest, options systemconfig.Publis
 	req.PriceCent = pricing.BuyerTotalPriceCent
 }
 
+func validateQualityOwnerPricingMode(req *CreateRequest, onDistributionSite bool) error {
+	if req == nil || onDistributionSite || !req.OwnerIsQualityOwner || req.IsPremium {
+		return nil
+	}
+	breakdown := ensurePriceBreakdown(req.AssetSummary)
+	if readSummaryNumber(breakdown["seller_ratio"]) <
+		readSummaryNumber(breakdown["seller_reference_ratio"]) {
+		return ErrQualityRatioPremiumOnly
+	}
+	return nil
+}
+
 // NormalizeSiteReceiveCostDelta 将分站收号压价点数限制在 [0, 20]。
 // 点数越大，分站收号比例越高（相对主站参考比例），收号价越低；0 表示与主站同价收号。
 func NormalizeSiteReceiveCostDelta(delta float64) float64 {
@@ -177,6 +231,45 @@ func ApplySiteReceiveCostDelta(referenceRatio, delta float64) float64 {
 	return siteRatio
 }
 
+func clampSaleRatioFloorBPS(referenceBPS, requestedBPS, floorBPS int64) int64 {
+	if referenceBPS <= 0 {
+		return 0
+	}
+	if requestedBPS <= 0 {
+		return referenceBPS
+	}
+	if requestedBPS < floorBPS {
+		return floorBPS
+	}
+	maxBPS := referenceBPS + maxAcceleratedSaleRatioBPSIncrement
+	if requestedBPS > maxBPS {
+		return maxBPS
+	}
+	return requestedBPS
+}
+
+// NormalizeQualityOwnerRatioDiscount 限制优质号主专享比例下调值，默认 1、最大 10。
+func NormalizeQualityOwnerRatioDiscount(value float64) float64 {
+	if value < 0 || math.IsNaN(value) || math.IsInf(value, 0) {
+		return 0
+	}
+	if value > maxAcceleratedSaleRatioIncrement {
+		return maxAcceleratedSaleRatioIncrement
+	}
+	return roundRatio(value)
+}
+
+// NormalizePremiumReviewRatioMarkup 限制极品专区发布时额外增加的比例加价点数，最大 10。
+func NormalizePremiumReviewRatioMarkup(value float64) float64 {
+	if value < 0 || math.IsNaN(value) || math.IsInf(value, 0) {
+		return 0
+	}
+	if value > maxAcceleratedSaleRatioIncrement {
+		return maxAcceleratedSaleRatioIncrement
+	}
+	return roundRatio(value)
+}
+
 // referenceSellerCoinBasePrice 计算主站参考比例下的号主基础价，用作买家定价锚点。
 func referenceSellerCoinBasePrice(coinWan, referenceRatio float64) float64 {
 	if referenceRatio <= 0 {
@@ -223,7 +316,7 @@ func (s *Service) publishRatioOptions(ctx context.Context) (systemconfig.Publish
 	if strings.TrimSpace(value) == "" {
 		return options, nil
 	}
-	var parsed systemconfig.PublishOptionsDTO
+	parsed := options
 	if err := json.Unmarshal([]byte(value), &parsed); err != nil {
 		return options, nil
 	}
@@ -266,13 +359,13 @@ func calculateSellerReferenceRatio(coinM float64, summary map[string]any, option
 		calculateDailyLossRatioAdjustment(dailyLoss)
 }
 
-func clampSaleRatio(referenceRatio, requestedRatio float64) float64 {
+func clampSaleRatio(referenceRatio, requestedRatio, minRatio float64) float64 {
 	maxRatio := roundRatio(referenceRatio + maxAcceleratedSaleRatioIncrement)
 	if requestedRatio <= 0 {
 		return referenceRatio
 	}
-	if requestedRatio < referenceRatio {
-		return referenceRatio
+	if requestedRatio < minRatio {
+		return minRatio
 	}
 	if requestedRatio > maxRatio {
 		return maxRatio

backend/internal/modules/listing/receive_pricing_test.go

@@ -1,6 +1,7 @@
 package listing
 
 import (
+	"errors"
 	"testing"
 
 	"hfb_jysh/backend/internal/modules/systemconfig"
@@ -104,6 +105,85 @@ func TestApplyMainSiteReceivePricingKeepsAcceleratedRatioWithinMainSiteRange(t *
 	}
 }
 
+func TestApplyMainSiteReceivePricingIncludesPremiumReviewMarkup(t *testing.T) {
+	req := fullReceivePricingRequest(50)
+	req.IsPremium = true
+	applyMainSiteReceivePricing(&req, systemconfig.DefaultPublishOptions(), defaultSalePriceConfig(), 0, 0, false)
+	breakdown := ensurePriceBreakdown(req.AssetSummary)
+	if got := readSummaryNumber(breakdown["premium_review_ratio_markup"]); got != 1 {
+		t.Fatalf("premium review markup = %v, want 1", got)
+	}
+	if got := readSummaryNumber(breakdown["premium_review_ratio_before"]); got != 45 {
+		t.Fatalf("premium buyer ratio before = %v, want 45", got)
+	}
+	if got := readSummaryNumber(breakdown["premium_review_ratio_after"]); got != 44 {
+		t.Fatalf("premium buyer ratio after = %v, want 44", got)
+	}
+	if applied, _ := breakdown["premium_review_ratio_markup_applied"].(bool); !applied {
+		t.Fatal("premium review markup should be applied before review")
+	}
+	if req.PriceCent != 22727 {
+		t.Fatalf("premium PriceCent = %d, want integer-cent result 22727", req.PriceCent)
+	}
+}
+
+func TestApplyMainSiteReceivePricingAllowsQualityOwnerExclusiveRatio(t *testing.T) {
+	req := fullReceivePricingRequest(42)
+	req.OwnerIsQualityOwner = true
+	options := systemconfig.DefaultPublishOptions()
+	applyMainSiteReceivePricing(&req, options, defaultSalePriceConfig(), 0, 0, false)
+	breakdown := ensurePriceBreakdown(req.AssetSummary)
+	if readSummaryNumber(breakdown["seller_ratio"]) != 42 {
+		t.Fatalf("quality owner seller_ratio = %v, want 42", breakdown["seller_ratio"])
+	}
+	if readSummaryNumber(breakdown["quality_owner_ratio_discount"]) != 1 {
+		t.Fatalf(
+			"quality owner discount = %v, want 1",
+			breakdown["quality_owner_ratio_discount"],
+		)
+	}
+
+	ordinary := fullReceivePricingRequest(42)
+	applyMainSiteReceivePricing(&ordinary, options, defaultSalePriceConfig(), 0, 0, false)
+	ordinaryBreakdown := ensurePriceBreakdown(ordinary.AssetSummary)
+	if readSummaryNumber(ordinaryBreakdown["seller_ratio"]) != 43 {
+		t.Fatalf("ordinary seller_ratio = %v, want reference 43", ordinaryBreakdown["seller_ratio"])
+	}
+}
+
+func TestQualityOwnerExclusiveRatioUsesConfiguredDiscount(t *testing.T) {
+	req := fullReceivePricingRequest(40)
+	req.OwnerIsQualityOwner = true
+	options := systemconfig.DefaultPublishOptions()
+	options.RatioConfig.QualityOwnerRatioDiscount = 3
+	applyMainSiteReceivePricing(&req, options, defaultSalePriceConfig(), 0, 0, false)
+	breakdown := ensurePriceBreakdown(req.AssetSummary)
+	if readSummaryNumber(breakdown["seller_ratio"]) != 40 {
+		t.Fatalf("configured quality owner seller_ratio = %v, want 40", breakdown["seller_ratio"])
+	}
+}
+
+func TestQualityOwnerExclusiveRatioRequiresPremiumZone(t *testing.T) {
+	req := fullReceivePricingRequest(42)
+	req.OwnerIsQualityOwner = true
+	applyMainSiteReceivePricing(
+		&req,
+		systemconfig.DefaultPublishOptions(),
+		defaultSalePriceConfig(),
+		0,
+		0,
+		false,
+	)
+	if err := validateQualityOwnerPricingMode(&req, false); !errors.Is(err, ErrQualityRatioPremiumOnly) {
+		t.Fatalf("error = %v, want ErrQualityRatioPremiumOnly", err)
+	}
+
+	req.IsPremium = true
+	if err := validateQualityOwnerPricingMode(&req, false); err != nil {
+		t.Fatalf("极品专区发布不应拒绝优质号主专享比例: %v", err)
+	}
+}
+
 func TestDistributionReceiveCostDeltaZeroKeepsMainSitePrice(t *testing.T) {
 	req := fullReceivePricingRequest(50)
 	applyMainSiteReceivePricing(&req, systemconfig.DefaultPublishOptions(), defaultSalePriceConfig(), 0, 0, true)
@@ -169,10 +249,10 @@ func TestApplySiteReceiveRatioDeltaCapsAtMainSite(t *testing.T) {
 }
 
 func TestClampSaleRatioRejectsBelowReference(t *testing.T) {
-	if got := clampSaleRatio(43, 10); got != 43 {
+	if got := clampSaleRatio(43, 10, 43); got != 43 {
 		t.Fatalf("clamp below reference = %v, want 43", got)
 	}
-	if got := clampSaleRatio(43, 80); got != 53 {
+	if got := clampSaleRatio(43, 80, 43); got != 53 {
 		t.Fatalf("clamp above max = %v, want 53", got)
 	}
 }

backend/internal/modules/listing/repository.go

@@ -1,6 +1,7 @@
 package listing
 
 import (
+	"context"
 	"errors"
 	"sync"
 	"time"
@@ -57,9 +58,24 @@ func (r *Repository) syncPublishedShelf(tx *gorm.DB, listing *model.RentalListin
 	return r.shelfSyncer.EnsureListingShelvedTx(tx, listing.ID, listing.AccountID)
 }
 
+func (r *Repository) IsQualityOwner(ctx context.Context, userID uint64) (bool, error) {
+	if r == nil || r.db == nil {
+		return false, ErrDependencyUnavailable
+	}
+	var status string
+	err := r.db.WithContext(ctx).Model(&model.User{}).
+		Where("id = ?", userID).
+		Pluck("quality_owner_status", &status).Error
+	if err != nil {
+		return false, err
+	}
+	return status == "active", nil
+}
+
 type publicZoneCountCache struct {
-	Counts    map[string]int64
-	ExpiresAt time.Time
+	Counts          map[string]int64
+	NonPremiumTotal int64
+	ExpiresAt       time.Time
 }
 
 const publicZoneCountCacheTTL = 5 * time.Second

backend/internal/modules/listing/review.go

@@ -61,6 +61,9 @@ func (r *Repository) TransferOwner(ctx context.Context, adminID uint64, listingI
 			}
 			return err
 		}
+		if listing.IsPremium && target.QualityOwnerStatus != "active" {
+			return ErrPremiumOwnerRequired
+		}
 
 		beforeOwnerID := listing.OwnerID
 		listing.OwnerID = target.ID

backend/internal/modules/listing/service.go

@@ -33,6 +33,8 @@ var (
 	ErrExternalAdjustment       = errors.New("invalid external listing adjustment")
 	ErrSaleRatioOutOfRange      = errors.New("sale ratio out of range")
 	ErrDistributionSiteInvalid  = errors.New("invalid distribution site")
+	ErrPremiumOwnerRequired     = errors.New("premium listing requires quality owner")
+	ErrQualityRatioPremiumOnly  = errors.New("quality owner exclusive ratio requires premium zone")
 )
 
 type Service struct {
@@ -52,6 +54,8 @@ const (
 	defaultPublishCooldownMinutes = 5
 	maxExternalUploadItems        = 10
 	defaultUploadScreenshot       = "/api/listings/default-upload-screenshot?v=webp1"
+	CompensationPlanNormal        = "normal"
+	CompensationPlanInsurance     = "insurance"
 )
 
 type PublishCooldownError struct {

backend/internal/modules/listing/service_mutation.go

@@ -3,6 +3,8 @@ package listing
 import (
 	"context"
 	"strings"
+
+	"hfb_jysh/backend/internal/modules/qualityowner"
 )
 
 func (s *Service) Create(ctx context.Context, ownerID uint64, req CreateRequest, siteCode ...string) (*ListingDTO, error) {
@@ -16,6 +18,9 @@ func (s *Service) Create(ctx context.Context, ownerID uint64, req CreateRequest,
 	if len(siteCode) > 0 {
 		effectiveSiteCode = strings.TrimSpace(siteCode[0])
 	}
+	if err := s.applyPublishEntitlements(ctx, ownerID, &req); err != nil {
+		return nil, err
+	}
 	delta, onDistribution := s.repo.resolveSiteReceiveCostDelta(ctx, 0, effectiveSiteCode)
 	if err := s.applyMainSiteReceivePricing(ctx, &req, 0, delta, onDistribution); err != nil {
 		return nil, err
@@ -49,6 +54,9 @@ func (s *Service) Update(ctx context.Context, ownerID uint64, id uint64, req Upd
 	if len(siteCode) > 0 {
 		effectiveSiteCode = strings.TrimSpace(siteCode[0])
 	}
+	if err := s.applyPublishEntitlements(ctx, ownerID, &req); err != nil {
+		return nil, err
+	}
 	delta, onDistribution := s.repo.resolveSiteReceiveCostDelta(ctx, id, effectiveSiteCode)
 	if err := s.applyMainSiteReceivePricing(ctx, &req, 0, delta, onDistribution); err != nil {
 		return nil, err
@@ -70,6 +78,46 @@ func (s *Service) Update(ctx context.Context, ownerID uint64, id uint64, req Upd
 	return s.repo.Update(ctx, ownerID, id, req, reviewRequired)
 }
 
+func (s *Service) applyPublishEntitlements(ctx context.Context, ownerID uint64, req *CreateRequest) error {
+	req.CompensationPlan = strings.TrimSpace(req.CompensationPlan)
+	if req.CompensationPlan == "" {
+		req.CompensationPlan = CompensationPlanNormal
+	}
+	if req.CompensationPlan != CompensationPlanNormal && req.CompensationPlan != CompensationPlanInsurance {
+		return ErrInvalidInput
+	}
+
+	isQualityOwner, err := s.repo.IsQualityOwner(ctx, ownerID)
+	if err != nil {
+		return err
+	}
+	if req.IsPremium && !isQualityOwner {
+		return ErrPremiumOwnerRequired
+	}
+	req.OwnerIsQualityOwner = isQualityOwner
+
+	req.InsuranceFeeBps = 0
+	if req.CompensationPlan != CompensationPlanInsurance {
+		return nil
+	}
+	rules := qualityowner.DefaultRules()
+	if s.config != nil {
+		value, err := s.config.FindValue(ctx, qualityowner.ConfigKey)
+		if err != nil {
+			return err
+		}
+		rules, err = qualityowner.ParseConfigValue(value)
+		if err != nil {
+			return err
+		}
+	}
+	req.InsuranceFeeBps = rules.InsuranceFeeBps
+	if req.IsPremium && isQualityOwner {
+		req.InsuranceFeeBps = rules.PremiumInsuranceFeeBps
+	}
+	return nil
+}
+
 func (s *Service) SubmitReview(ctx context.Context, ownerID uint64, id uint64) (*ListingDTO, error) {
 	if s.repo == nil {
 		return nil, ErrDependencyUnavailable

backend/internal/modules/listing/service_query.go

@@ -18,11 +18,11 @@ func (s *Service) ListMine(ctx context.Context, ownerID uint64, siteCode ...stri
 	return s.repo.ListMine(ctx, ownerID, siteCode...)
 }
 
-func (s *Service) FindPublic(ctx context.Context, id uint64, siteCode string) (*ListingDTO, error) {
+func (s *Service) FindPublic(ctx context.Context, id uint64, siteCode string, viewerUserID uint64) (*ListingDTO, error) {
 	if s.repo == nil {
 		return nil, ErrDependencyUnavailable
 	}
-	return s.repo.FindPublic(ctx, id, siteCode)
+	return s.repo.FindPublic(ctx, id, siteCode, viewerUserID)
 }
 
 func (s *Service) FindPublicCoverKey(ctx context.Context, id uint64) (string, error) {

backend/internal/modules/listing/service_test.go

@@ -719,14 +719,14 @@ func TestListPublicWithDistributionSiteCode(t *testing.T) {
 		t.Fatalf("expected public price 12500 with ratio delta, got %d", res.Items[0].PriceCent)
 	}
 
-	detail, err := repo.FindPublic(context.Background(), l1.ID, "site_alpha")
+	detail, err := repo.FindPublic(context.Background(), l1.ID, "site_alpha", 0)
 	if err != nil {
 		t.Fatalf("FindPublic err: %v", err)
 	}
 	if detail.PriceCent != 12500 {
 		t.Fatalf("expected detail price 12500 with ratio delta, got %d", detail.PriceCent)
 	}
-	mainDetail, err := repo.FindPublic(context.Background(), l1.ID, "")
+	mainDetail, err := repo.FindPublic(context.Background(), l1.ID, "", 0)
 	if err != nil {
 		t.Fatalf("FindPublic main err: %v", err)
 	}