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/order.go

@@ -53,6 +53,10 @@ type RentalOrder struct {
 	DistributionSiteID          *uint64    `gorm:"index" json:"distribution_site_id,omitempty"`
 	DistributionMode            string     `gorm:"size:32;not null;default:'';index" json:"distribution_mode"`
 	DistributionRuleVersionID   *uint64    `gorm:"index" json:"distribution_rule_version_id,omitempty"`
+	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"`
+	InsuranceFeeCent            int64      `gorm:"not null;default:0" json:"insurance_fee_cent"`
 	Status                      string     `gorm:"size:32;not null;default:'pending_payment'" json:"status"`
 	HandoffStatus               string     `gorm:"size:32;not null;default:'none'" json:"handoff_status"`
 	HandoffMode                 string     `gorm:"size:16;not null;default:'owner';index" json:"handoff_mode"`