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/repository.go

@@ -1,6 +1,7 @@
 package listing
 
 import (
+	"context"
 	"errors"
 	"sync"
 	"time"
@@ -57,6 +58,20 @@ func (r *Repository) syncPublishedShelf(tx *gorm.DB, listing *model.RentalListin
 	return r.shelfSyncer.EnsureListingShelvedTx(tx, listing.ID, listing.AccountID)
 }
 
+func (r *Repository) IsQualityOwner(ctx context.Context, userID uint64) (bool, error) {
+	if r == nil || r.db == nil {
+		return false, ErrDependencyUnavailable
+	}
+	var status string
+	err := r.db.WithContext(ctx).Model(&model.User{}).
+		Where("id = ?", userID).
+		Pluck("quality_owner_status", &status).Error
+	if err != nil {
+		return false, err
+	}
+	return status == "active", nil
+}
+
 type publicZoneCountCache struct {
 	Counts    map[string]int64
 	ExpiresAt time.Time