feat(quality-owner): 增加优质号主、极品专区与无忧租号保险

- 支持保证金余额支付、在线支付开通及后台手动设置审计
- 新增极品专区发布权限、赔付方案与保险结算费率快照
- 优化首页、商品卡和个人中心的优质号主身份展示

backend/internal/model/listing.go

@@ -43,6 +43,9 @@ type RentalListing struct {
 	ManagedAdminID     *uint64    `gorm:"index" json:"managed_admin_id"`
 	DistributionSiteID *uint64    `gorm:"column:distribution_site_id;index" json:"distribution_site_id,omitempty"`
 	SourceChannel      string     `gorm:"size:64;not null;default:''" json:"-"`
+	IsPremium          bool       `gorm:"not null;default:false" json:"is_premium"`
+	CompensationPlan   string     `gorm:"size:16;not null;default:'normal'" json:"compensation_plan"`
+	InsuranceFeeBps    int        `gorm:"not null;default:0" json:"insurance_fee_bps"`
 	ReviewReason       string     `gorm:"size:255;not null;default:''" json:"review_reason"`
 	PublishedAt        *time.Time `json:"published_at"`
 	CreatedAt          time.Time  `json:"created_at"`