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/listing/mutation.go

@@ -76,6 +76,9 @@ func (r *Repository) Create(ctx context.Context, ownerID uint64, req CreateReque
 			OwnerID:            ownerID,
 			PriceCent:          priceCent,
 			DepositAmountCent:  req.DepositAmountCent,
+			IsPremium:          req.IsPremium,
+			CompensationPlan:   req.CompensationPlan,
+			InsuranceFeeBps:    req.InsuranceFeeBps,
 			Status:             listingStatus,
 			ReviewStatus:       reviewStatus,
 			PublishedAt:        publishedAt,
@@ -289,6 +292,9 @@ func (r *Repository) Update(ctx context.Context, ownerID uint64, listingID uint6
 
 		listing.PriceCent = normalizedListingPriceCent(req)
 		listing.DepositAmountCent = req.DepositAmountCent
+		listing.IsPremium = req.IsPremium
+		listing.CompensationPlan = req.CompensationPlan
+		listing.InsuranceFeeBps = req.InsuranceFeeBps
 		fromStatus := listing.Status
 		listingStatus, reviewStatus, publishedAt := initialPublishState(reviewRequired)
 		listing.Status = listingStatus