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/modules/adminuser/dto.go

@@ -20,6 +20,10 @@ type UserDTO struct {
 	RenterGrowthLevelName         string     `json:"renter_growth_level_name"`
 	AvailableBalanceCent          int64      `json:"available_balance_cent"`
 	FrozenBalanceCent             int64      `json:"frozen_balance_cent"`
+	QualityOwnerStatus            string     `json:"quality_owner_status"`
+	QualityOwnerDepositCent       int64      `json:"quality_owner_deposit_cent"`
+	QualityOwnerDepositSource     string     `json:"quality_owner_deposit_source"`
+	QualityOwnerActivatedAt       *time.Time `json:"quality_owner_activated_at"`
 	Status                        string     `json:"status"`
 	OrderCount                    int64      `json:"order_count"`
 	ListingCount                  int64      `json:"listing_count"`
@@ -65,6 +69,7 @@ type ListQuery struct {
 	Keyword             string
 	Status              string
 	HasDepositFreeQuota bool
+	QualityOwnerOnly    bool
 }
 
 type PaginatedResult struct {

backend/internal/modules/adminuser/handler.go

@@ -41,6 +41,7 @@ func (h *Handler) List(c *gin.Context) {
 		Keyword:             strings.TrimSpace(c.Query("keyword")),
 		Status:              strings.TrimSpace(c.Query("status")),
 		HasDepositFreeQuota: parseBoolQuery(c.Query("has_deposit_free_quota")),
+		QualityOwnerOnly:    parseBoolQuery(c.Query("quality_owner_only")),
 	}
 	result, err := h.service.List(c.Request.Context(), page, pageSize, query)
 	if err != nil {

backend/internal/modules/adminuser/repository.go

@@ -106,6 +106,9 @@ func applyUserFilter(tx *gorm.DB, query ListQuery, growthConfig rentergrowth.Con
 			tx = tx.Where("u.deposit_free_quota_cent > 0")
 		}
 	}
+	if query.QualityOwnerOnly {
+		tx = tx.Where("u.quality_owner_status = ?", "active")
+	}
 	if keyword := strings.TrimSpace(query.Keyword); keyword != "" {
 		if len(keyword) == 11 && keyword[0] == '1' && isAllDigits(keyword) {
 			// 11 位手机号：命中 users(phone) 唯一索引
@@ -563,6 +566,10 @@ func (row userRow) toDTO(growthConfig rentergrowth.Config) UserDTO {
 		RenterGrowthLevelName:         level.Name,
 		AvailableBalanceCent:          row.AvailableBalanceCent,
 		FrozenBalanceCent:             row.FrozenBalanceCent,
+		QualityOwnerStatus:            row.QualityOwnerStatus,
+		QualityOwnerDepositCent:       row.QualityOwnerDepositCent,
+		QualityOwnerDepositSource:     row.QualityOwnerDepositSource,
+		QualityOwnerActivatedAt:       row.QualityOwnerActivatedAt,
 		Status:                        row.Status,
 		OrderCount:                    row.OrderCount,
 		ListingCount:                  row.ListingCount,