feat(finance): 增加保险统计与订单保险明细

backend/internal/modules/adminfinance/dashboard.go

@@ -406,6 +406,18 @@ func (r *Repository) dailySettlements(ctx context.Context, query DashboardQuery)
 	err := db.Table("rental_orders AS ro USE INDEX (idx_rental_orders_dashboard_settled)").
 		Select(`DATE_FORMAT(ro.settled_at, '%Y-%m-%d') AS date,
 					COALESCE(SUM(oc.platform_fee_cent), 0) AS platform_income_amount_cent,
+					COALESCE(SUM(CASE WHEN ro.compensation_plan = 'insurance' AND ro.insurance_fee_bps > 0
+						THEN 1 ELSE 0 END), 0) AS insurance_order_count,
+					COALESCE(SUM(CASE WHEN ro.compensation_plan = 'insurance' AND ro.insurance_fee_bps > 0
+						THEN COALESCE(oc.insurance_fee_cent, 0) ELSE 0 END), 0) AS insurance_profit_amount_cent,
+					COALESCE(SUM(CASE WHEN ro.compensation_plan = 'insurance' AND ro.insurance_fee_bps > 0
+						AND ro.is_premium = 0 THEN 1 ELSE 0 END), 0) AS normal_insurance_order_count,
+					COALESCE(SUM(CASE WHEN ro.compensation_plan = 'insurance' AND ro.insurance_fee_bps > 0
+						AND ro.is_premium = 0 THEN COALESCE(oc.insurance_fee_cent, 0) ELSE 0 END), 0) AS normal_insurance_profit_amount_cent,
+					COALESCE(SUM(CASE WHEN ro.compensation_plan = 'insurance' AND ro.insurance_fee_bps > 0
+						AND ro.is_premium = 1 THEN 1 ELSE 0 END), 0) AS premium_insurance_order_count,
+					COALESCE(SUM(CASE WHEN ro.compensation_plan = 'insurance' AND ro.insurance_fee_bps > 0
+						AND ro.is_premium = 1 THEN COALESCE(oc.insurance_fee_cent, 0) ELSE 0 END), 0) AS premium_insurance_profit_amount_cent,
 					COALESCE(SUM(oc.owner_income_amount_cent), 0) AS owner_should_income_amount_cent,
 					COALESCE(SUM(COALESCE(w.owner_wallet_income_amount_cent, 0)), 0) AS owner_wallet_income_amount_cent,
 					COALESCE(SUM(CASE WHEN ro.settlement_mode = 'platform_managed'
@@ -466,6 +478,12 @@ func summaryFromDailyRows(payments []dailyPaymentRow, settlements []dailySettlem
 	}
 	for _, row := range settlements {
 		summary.NormalOrderProfitAmountCent += row.PlatformIncomeAmountCent
+		summary.InsuranceOrderCount += row.InsuranceOrderCount
+		summary.InsuranceProfitAmountCent += row.InsuranceProfitAmountCent
+		summary.NormalInsuranceOrderCount += row.NormalInsuranceOrderCount
+		summary.NormalInsuranceProfitAmountCent += row.NormalInsuranceProfitAmountCent
+		summary.PremiumInsuranceOrderCount += row.PremiumInsuranceOrderCount
+		summary.PremiumInsuranceProfitAmountCent += row.PremiumInsuranceProfitAmountCent
 		summary.OwnerShouldIncomeAmountCent += row.OwnerShouldIncomeAmountCent
 		summary.OwnerWalletIncomeAmountCent += row.OwnerWalletIncomeAmountCent
 		summary.OwnerEffectiveSettlementAmountCent += row.OwnerEffectiveSettlementAmountCent
@@ -604,6 +622,12 @@ type dailyPaidOrderRow struct {
 type dailySettlementRow struct {
 	Date                               string
 	PlatformIncomeAmountCent           int64
+	InsuranceOrderCount                int64
+	InsuranceProfitAmountCent          int64
+	NormalInsuranceOrderCount          int64
+	NormalInsuranceProfitAmountCent    int64
+	PremiumInsuranceOrderCount         int64
+	PremiumInsuranceProfitAmountCent   int64
 	OwnerShouldIncomeAmountCent        int64
 	OwnerWalletIncomeAmountCent        int64
 	OwnerEffectiveSettlementAmountCent int64

backend/internal/modules/adminfinance/dashboard_cache.go

@@ -10,7 +10,7 @@ import (
 const dashboardCacheTTL = 5 * time.Minute
 
 func (r *Repository) dashboardCacheKey(query DashboardQuery) string {
-	return fmt.Sprintf("admin-finance:dashboard:v1:%d:%d", query.StartDate.Unix(), query.EndDate.Unix())
+	return fmt.Sprintf("admin-finance:dashboard:v2:%d:%d", query.StartDate.Unix(), query.EndDate.Unix())
 }
 
 func (r *Repository) loadDashboardCache(ctx context.Context, query DashboardQuery) *DashboardDTO {

backend/internal/modules/adminfinance/dashboard_test.go

@@ -257,8 +257,8 @@ func TestSummaryFromDailyRowsPreservesDashboardTotals(t *testing.T) {
 		{TotalFlowAmountCent: 2500, TotalRefundAmountCent: 400, PendingRefundAmountCent: 70, SuccessfulPayCount: 5, PartialRefundCount: 2, PendingRefundCount: 1},
 	}
 	settlementRows := []dailySettlementRow{
-		{PlatformIncomeAmountCent: 300, OwnerShouldIncomeAmountCent: 900, OwnerWalletIncomeAmountCent: 850, OwnerEffectiveSettlementAmountCent: 850, OfflineSettlementAmountCent: 100, OfflineSettlementPendingAmountCent: 20, OfflineSettlementPendingCount: 1, FinancialExceptionCount: 2, SettledOrderCount: 3},
+		{PlatformIncomeAmountCent: 300, InsuranceOrderCount: 2, InsuranceProfitAmountCent: 80, NormalInsuranceOrderCount: 1, NormalInsuranceProfitAmountCent: 50, PremiumInsuranceOrderCount: 1, PremiumInsuranceProfitAmountCent: 30, OwnerShouldIncomeAmountCent: 900, OwnerWalletIncomeAmountCent: 850, OwnerEffectiveSettlementAmountCent: 850, OfflineSettlementAmountCent: 100, OfflineSettlementPendingAmountCent: 20, OfflineSettlementPendingCount: 1, FinancialExceptionCount: 2, SettledOrderCount: 3},
-		{PlatformIncomeAmountCent: 200, OwnerShouldIncomeAmountCent: 600, OwnerWalletIncomeAmountCent: 500, OwnerEffectiveSettlementAmountCent: 550, OfflineSettlementAmountCent: 200, OfflineSettlementPendingAmountCent: 40, OfflineSettlementPendingCount: 2, FinancialExceptionCount: 1, SettledOrderCount: 2},
+		{PlatformIncomeAmountCent: 200, InsuranceOrderCount: 1, InsuranceProfitAmountCent: 20, NormalInsuranceOrderCount: 1, NormalInsuranceProfitAmountCent: 20, OwnerShouldIncomeAmountCent: 600, OwnerWalletIncomeAmountCent: 500, OwnerEffectiveSettlementAmountCent: 550, OfflineSettlementAmountCent: 200, OfflineSettlementPendingAmountCent: 40, OfflineSettlementPendingCount: 2, FinancialExceptionCount: 1, SettledOrderCount: 2},
 	}
 	estimateRows := []dailyEstimatedRow{
 		{EstimatedIncomeAmountCent: 120, PendingSettleOrderCount: 4},
@@ -276,6 +276,11 @@ func TestSummaryFromDailyRowsPreservesDashboardTotals(t *testing.T) {
 	if summary.NormalOrderProfitAmountCent != 500 || summary.PickupProfitAmountCent != 90 || summary.PlatformIncomeAmountCent != 590 || summary.PickupCompletedCount != 2 {
 		t.Fatalf("平台利润汇总错误: %+v", summary)
 	}
+	if summary.InsuranceOrderCount != 3 || summary.InsuranceProfitAmountCent != 100 ||
+		summary.NormalInsuranceOrderCount != 2 || summary.NormalInsuranceProfitAmountCent != 70 ||
+		summary.PremiumInsuranceOrderCount != 1 || summary.PremiumInsuranceProfitAmountCent != 30 {
+		t.Fatalf("保险汇总错误: %+v", summary)
+	}
 	if summary.OwnerShouldIncomeAmountCent != 1500 || summary.OwnerWalletIncomeAmountCent != 1350 || summary.OwnerEffectiveSettlementAmountCent != 1400 || summary.SettlementDiffAmountCent != 100 {
 		t.Fatalf("货主结算汇总错误: %+v", summary)
 	}
@@ -287,6 +292,54 @@ func TestSummaryFromDailyRowsPreservesDashboardTotals(t *testing.T) {
 	}
 }
 
+func TestInsuranceSummaryUsesSettlementDateAndPremiumSnapshot(t *testing.T) {
+	db := database.NewTestDB()
+	loc := timeutil.ShanghaiLocation()
+	settledAt := time.Date(2026, 8, 2, 10, 0, 0, 0, loc)
+
+	for _, row := range [][]any{
+		{1, "INS-NORMAL", 1, 1, 1, 1, settledAt, false, "insurance", 800},
+		{2, "INS-PREMIUM", 2, 2, 2, 2, settledAt, true, "insurance", 400},
+		{3, "NO-INSURANCE", 3, 3, 3, 3, settledAt, false, "normal", 0},
+		{4, "OUTSIDE-RANGE", 4, 4, 4, 4, settledAt.AddDate(0, 0, 1), true, "insurance", 400},
+	} {
+		if err := db.Exec(`INSERT INTO rental_orders
+			(id, order_no, listing_id, account_id, owner_id, renter_id, settled_at,
+			 is_premium, compensation_plan, insurance_fee_bps)
+			VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?)`, row...).Error; err != nil {
+			t.Fatalf("写入订单失败: %v", err)
+		}
+	}
+	for _, row := range [][]any{
+		{1, 1, 1, "accepted", 800},
+		{2, 2, 2, "accepted", 400},
+		{3, 3, 3, "accepted", 0},
+		{4, 4, 4, "accepted", 400},
+	} {
+		if err := db.Exec(`INSERT INTO order_checkouts
+			(id, order_id, initiated_by, status, insurance_fee_cent)
+			VALUES (?, ?, ?, ?, ?)`, row...).Error; err != nil {
+			t.Fatalf("写入结账单失败: %v", err)
+		}
+	}
+
+	repo := NewRepository(db)
+	query := DashboardQuery{
+		StartDate: time.Date(2026, 8, 2, 0, 0, 0, 0, loc),
+		EndDate:   time.Date(2026, 8, 2, 23, 59, 59, 0, loc),
+	}
+	settlements, err := repo.dailySettlements(t.Context(), query)
+	if err != nil {
+		t.Fatalf("读取每日结算汇总失败: %v", err)
+	}
+	summary := summaryFromDailyRows(nil, settlements, nil)
+	if summary.InsuranceOrderCount != 2 || summary.InsuranceProfitAmountCent != 1200 ||
+		summary.NormalInsuranceOrderCount != 1 || summary.NormalInsuranceProfitAmountCent != 800 ||
+		summary.PremiumInsuranceOrderCount != 1 || summary.PremiumInsuranceProfitAmountCent != 400 {
+		t.Fatalf("保险汇总错误: %+v", summary)
+	}
+}
+
 func TestDashboardCacheKeyAndSingleflight(t *testing.T) {
 	repo := NewRepository(nil)
 	q := DashboardQuery{

backend/internal/modules/adminfinance/dto.go

@@ -246,6 +246,13 @@ type FinanceSummaryDTO struct {
 	PlatformIncomeAmountCent    int64 `json:"platform_income_amount_cent"`
 	NormalOrderProfitAmountCent int64 `json:"normal_order_profit_amount_cent"`
 	PickupProfitAmountCent      int64 `json:"pickup_profit_amount_cent"`
+	// 无忧保险统计与平台净利润同口径，按结算日归集。
+	InsuranceOrderCount              int64 `json:"insurance_order_count"`
+	InsuranceProfitAmountCent        int64 `json:"insurance_profit_amount_cent"`
+	NormalInsuranceOrderCount        int64 `json:"normal_insurance_order_count"`
+	NormalInsuranceProfitAmountCent  int64 `json:"normal_insurance_profit_amount_cent"`
+	PremiumInsuranceOrderCount       int64 `json:"premium_insurance_order_count"`
+	PremiumInsuranceProfitAmountCent int64 `json:"premium_insurance_profit_amount_cent"`
 	// PickupCompletedCount 线下提号利润对应的已完成提号笔数。
 	PickupCompletedCount               int64 `json:"pickup_completed_count"`
 	OwnerShouldIncomeAmountCent        int64 `json:"owner_should_income_amount_cent"`

frontend/src/features/admin/api/adminFinance.ts

@@ -13,6 +13,12 @@ export interface FinanceSummary {
   platform_income_amount_cent: number
   normal_order_profit_amount_cent: number
   pickup_profit_amount_cent: number
+  insurance_order_count: number
+  insurance_profit_amount_cent: number
+  normal_insurance_order_count: number
+  normal_insurance_profit_amount_cent: number
+  premium_insurance_order_count: number
+  premium_insurance_profit_amount_cent: number
   /** 普通（租赁）订单利润对应的已结算订单数量 */
   settled_order_count: number
   /** 线下提号利润对应的已完成提号笔数 */

frontend/src/features/admin/utils/__tests__/adminOrderPresentation.spec.ts

@@ -2,6 +2,7 @@ import { describe, expect, it } from 'vitest'
 
 import {
   estimateOrderEndAt,
+  orderPlatformFeeBreakdown,
   paymentBizTypeLabel,
   paymentPaidAt,
   paymentStatusLabel,
@@ -39,4 +40,45 @@ describe('admin order presentation', () => {
     ).toBe('paid')
     expect(paymentPaidAt({ updated_at: 'updated', created_at: 'created' })).toBe('updated')
   })
+
+  it('splits insurance from the final checkout platform income', () => {
+    expect(
+      orderPlatformFeeBreakdown({
+        status: 'completed',
+        platform_fee_cent: 3260,
+        insurance_fee_cent: 1739,
+        insurance_fee_bps: 800,
+        checkout: {
+          status: 'accepted',
+          platform_fee_cent: 4999,
+          insurance_fee_cent: 1739,
+          insurance_fee_bps: 800,
+        },
+      })
+    ).toEqual({
+      baseFeeCent: 3260,
+      insuranceFeeCent: 1739,
+      insuranceFeeBps: 800,
+      totalFeeCent: 4999,
+    })
+  })
+
+  it('keeps the order snapshot before settlement and when there is no insurance', () => {
+    expect(
+      orderPlatformFeeBreakdown({
+        status: 'renting',
+        platform_fee_cent: 4000,
+        insurance_fee_cent: 0,
+        checkout: {
+          status: 'submitted',
+          platform_fee_cent: 5000,
+        },
+      })
+    ).toEqual({
+      baseFeeCent: 4000,
+      insuranceFeeCent: 0,
+      insuranceFeeBps: 0,
+      totalFeeCent: 4000,
+    })
+  })
 })

frontend/src/features/admin/utils/adminOrderPresentation.ts

@@ -1,5 +1,62 @@
 import type { AdminPayment } from '@/features/admin/api/adminPayments'
 
+type OrderPlatformFeeSource = {
+  status?: string
+  platform_fee_cent?: number
+  insurance_fee_cent?: number
+  insurance_fee_bps?: number
+  checkout?: {
+    status?: string
+    platform_fee_cent?: number
+    insurance_fee_cent?: number
+    insurance_fee_bps?: number
+  } | null
+}
+
+export type OrderPlatformFeeBreakdown = {
+  baseFeeCent: number
+  insuranceFeeCent: number
+  insuranceFeeBps: number
+  totalFeeCent: number
+}
+
+function nonNegativeCent(value: number | undefined) {
+  const amount = Number(value || 0)
+  return Number.isFinite(amount) ? Math.max(amount, 0) : 0
+}
+
+/**
+ * 订单主表保存下单时的平台基础费用，结账单保存结算后的平台收入合计。
+ * 已完成订单优先采用结账单，并从合计中拆出无忧保险，避免客服看到旧快照。
+ */
+export function orderPlatformFeeBreakdown(
+  order: OrderPlatformFeeSource | null | undefined
+): OrderPlatformFeeBreakdown {
+  if (!order) {
+    return { baseFeeCent: 0, insuranceFeeCent: 0, insuranceFeeBps: 0, totalFeeCent: 0 }
+  }
+
+  const orderFeeCent = nonNegativeCent(order.platform_fee_cent)
+  const checkoutFeeCent = nonNegativeCent(order.checkout?.platform_fee_cent)
+  const totalFeeCent =
+    order.status === 'completed' ? Math.max(orderFeeCent, checkoutFeeCent) : orderFeeCent
+  const orderInsuranceFeeCent = nonNegativeCent(order.insurance_fee_cent)
+  const checkoutInsuranceFeeCent = nonNegativeCent(order.checkout?.insurance_fee_cent)
+  const insuranceFeeCent =
+    orderInsuranceFeeCent > 0 ? orderInsuranceFeeCent : checkoutInsuranceFeeCent
+  const insuranceFeeBps = Math.max(
+    Number(order.insurance_fee_bps || 0),
+    insuranceFeeCent > 0 ? Number(order.checkout?.insurance_fee_bps || 0) : 0
+  )
+
+  return {
+    baseFeeCent: Math.max(totalFeeCent - insuranceFeeCent, 0),
+    insuranceFeeCent: Math.min(insuranceFeeCent, totalFeeCent),
+    insuranceFeeBps,
+    totalFeeCent,
+  }
+}
+
 export function estimateOrderEndAt(
   estimatedEndAt?: string,
   rentedAt?: string,

frontend/src/features/admin/views/AdminFinanceDashboardView.css

@@ -386,6 +386,11 @@
   color: #4f46e5;
 }
 
+.section-badge.amber {
+  background: #fffbeb;
+  color: #d97706;
+}
+
 .section-title {
   margin: 0;
   font-size: 17px;
@@ -457,6 +462,20 @@
   flex-wrap: wrap;
 }
 
+.insurance-type-card .sub-card-label {
+  display: flex;
+  align-items: center;
+  gap: 6px;
+}
+
+.insurance-type-card--normal {
+  border-left: 3px solid #f59e0b;
+}
+
+.insurance-type-card--premium {
+  border-left: 3px solid #8b5cf6;
+}
+
 .dot-sep {
   color: #cbd5e1;
 }

frontend/src/features/admin/views/AdminFinanceDashboardView.vue

@@ -4,12 +4,14 @@ import {
   Coin,
   CreditCard,
   DocumentChecked,
+  Medal,
   Money,
   Refresh,
   Search,
   ShoppingCart,
   Timer,
   TrendCharts,
+  Umbrella,
   Van,
   Wallet,
   WarningFilled,
@@ -370,6 +372,60 @@ function diffType(value: number | undefined | null) {
         </div>
       </div>
 
+      <!-- 无忧保险 -->
+      <div class="section-container">
+        <div class="section-header">
+          <div class="section-title-wrap">
+            <div class="section-badge amber">
+              <el-icon><Umbrella /></el-icon>
+            </div>
+            <div>
+              <h2 class="section-title">无忧保险</h2>
+              <p class="section-desc">按结算日统计投保订单数量与保险服务费利润</p>
+            </div>
+          </div>
+        </div>
+
+        <div class="sub-metric-grid cols-3">
+          <div class="sub-card">
+            <div class="sub-card-label">保险利润合计</div>
+            <div class="sub-card-value emerald-text">
+              {{ moneyCent(dashboard.summary.insurance_profit_amount_cent) }}
+            </div>
+            <div class="sub-card-sub">
+              <span>{{ dashboard.summary.insurance_order_count }} 笔已结算投保订单</span>
+            </div>
+          </div>
+
+          <div class="sub-card insurance-type-card insurance-type-card--normal">
+            <div class="sub-card-label">普通无忧保险</div>
+            <div class="sub-card-value">
+              {{ moneyCent(dashboard.summary.normal_insurance_profit_amount_cent) }}
+            </div>
+            <div class="sub-card-sub">
+              <span>{{ dashboard.summary.normal_insurance_order_count }} 笔投保订单</span>
+              <span class="dot-sep">·</span>
+              <span>保险利润</span>
+            </div>
+          </div>
+
+          <div class="sub-card insurance-type-card insurance-type-card--premium">
+            <div class="sub-card-label">
+              <el-icon><Medal /></el-icon>
+              极品专区保险
+            </div>
+            <div class="sub-card-value">
+              {{ moneyCent(dashboard.summary.premium_insurance_profit_amount_cent) }}
+            </div>
+            <div class="sub-card-sub">
+              <span>{{ dashboard.summary.premium_insurance_order_count }} 笔投保订单</span>
+              <span class="dot-sep">·</span>
+              <span>保险利润</span>
+            </div>
+          </div>
+        </div>
+      </div>
+
       <!-- 资金出款与待办审批 -->
       <div v-if="dashboard.disbursement_summary" class="section-container">
         <div class="section-header">

frontend/src/features/admin/views/AdminOrderDetailView.vue

@@ -51,7 +51,11 @@ import { formatGameName, formatListingNo } from '@/shared/utils/listingDisplay'
 import AdminOrderMetrics, { type AdminOrderMetric } from '../components/AdminOrderMetrics.vue'
 import AdminOrderPaymentRecords from '../components/AdminOrderPaymentRecords.vue'
 import ProcessTimeline from '../components/ProcessTimeline.vue'
-import { estimateOrderEndAt, paymentStatusLabel } from '../utils/adminOrderPresentation'
+import {
+  estimateOrderEndAt,
+  orderPlatformFeeBreakdown,
+  paymentStatusLabel,
+} from '../utils/adminOrderPresentation'
 
 const route = useRoute()
 const router = useRouter()
@@ -362,6 +366,7 @@ const ownerLossPriceCent = computed(() => {
   return Math.max(Number(order.value.owner_rent_amount_cent) - ownerCoinBasePriceCent.value, 0)
 })
 const hasOwnerRentBreakdown = computed(() => ownerCoinBasePriceCent.value !== null)
+const platformFeeBreakdown = computed(() => orderPlatformFeeBreakdown(order.value))
 const fundSplitRows = computed(() => {
   if (!order.value) return []
   const rows: FundSplitRow[] = []
@@ -398,8 +403,20 @@ const fundSplitRows = computed(() => {
   } else {
     rows.push({ label: '号主租金', amountCent: order.value.owner_rent_amount_cent })
   }
+  const platformFee = platformFeeBreakdown.value
+  if (platformFee.insuranceFeeCent > 0) {
+    rows.push(
+      { label: '平台基础费用', amountCent: platformFee.baseFeeCent },
+      {
+        label: `无忧租号保险服务费（${(platformFee.insuranceFeeBps / 100).toFixed(1)}%）`,
+        amountCent: platformFee.insuranceFeeCent,
+      },
+      { label: '平台收入合计', amountCent: platformFee.totalFeeCent }
+    )
+  } else {
+    rows.push({ label: '平台费用', amountCent: platformFee.totalFeeCent })
+  }
   rows.push(
-    { label: '平台费用', amountCent: order.value.platform_fee_cent },
     { label: '实付押金', amountCent: order.value.deposit_amount_cent },
     { label: '原始押金', amountCent: order.value.deposit_original_amount_cent },
     { label: '免押额度', amountCent: order.value.deposit_waived_amount_cent }

scripts/prepare-test-db.sh

@@ -24,8 +24,8 @@ container="${TEST_MYSQL_CONTAINER:-hfb-mysql}"
 
 [[ "${base_database}" =~ ^[A-Za-z0-9_]+$ ]] || { printf '测试库基础名不合法: %s\n' "${base_database}" >&2; exit 2; }
 
-# MySQL 模式串里下划线是通配符，需要转义成字面量。
+# MySQL 模式串里下划线是通配符，需要转义成字面量；只保留一层反斜杠。
-pattern="$(printf '%s' "${base_database}" | sed 's/_/\\\\_/g')"
+pattern="$(printf '%s' "${base_database}" | sed 's/_/\\_/g')"
 
 run_admin_sql() {
   if command -v docker >/dev/null 2>&1 && docker ps --format '{{.Names}}' 2>/dev/null | grep -qx "${container}"; then