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/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,