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/presenter.go

@@ -18,6 +18,7 @@ type listingRow struct {
 	Title                string
 	OwnerPhone           string
 	OwnerNickname        string
+	OwnerIsQualityOwner  bool   `gorm:"column:owner_is_quality_owner"`
 	DisplaySourceChannel string `gorm:"column:display_source_channel"`
 	IsExternalUpload     bool   `gorm:"column:is_external_upload"`
 	DistributionSiteCode string `gorm:"column:distribution_site_code"`
@@ -171,6 +172,7 @@ func (row listingRow) toDTO() ListingDTO {
 		OwnerID:              row.OwnerID,
 		OwnerPhone:           row.OwnerPhone,
 		OwnerNickname:        row.OwnerNickname,
+		OwnerIsQualityOwner:  row.OwnerIsQualityOwner,
 		SourceChannel:        row.DisplaySourceChannel,
 		IsExternalUpload:     row.IsExternalUpload,
 		Title:                row.Title,
@@ -195,6 +197,9 @@ func (row listingRow) toDTO() ListingDTO {
 		DistributionSiteID:   row.DistributionSiteID,
 		DistributionSiteCode: row.DistributionSiteCode,
 		DistributionSiteName: row.DistributionSiteName,
+		IsPremium:            row.IsPremium,
+		CompensationPlan:     normalizedCompensationPlan(row.CompensationPlan),
+		InsuranceFeeBps:      row.InsuranceFeeBps,
 		ReviewReason:         reviewReason,
 		PublishedAt:          row.PublishedAt,
 		CreatedAt:            row.CreatedAt,
@@ -231,6 +236,9 @@ func toDTO(account model.GameAccount, listing model.RentalListing) *ListingDTO {
 		SettlementMode:     listing.SettlementMode,
 		ManagedAdminID:     listing.ManagedAdminID,
 		DistributionSiteID: listing.DistributionSiteID,
+		IsPremium:          listing.IsPremium,
+		CompensationPlan:   normalizedCompensationPlan(listing.CompensationPlan),
+		InsuranceFeeBps:    listing.InsuranceFeeBps,
 		ReviewReason:       reviewReason,
 		PublishedAt:        listing.PublishedAt,
 		CreatedAt:          listing.CreatedAt,
@@ -238,6 +246,13 @@ func toDTO(account model.GameAccount, listing model.RentalListing) *ListingDTO {
 	}
 }
 
+func normalizedCompensationPlan(plan string) string {
+	if plan == CompensationPlanInsurance {
+		return CompensationPlanInsurance
+	}
+	return CompensationPlanNormal
+}
+
 func normalizedReviewState(status string, reviewStatus string, reviewReason string) (string, string) {
 	if status == "offline" {
 		return "none", reviewReason