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/order/checkout_finalize.go

@@ -46,6 +46,7 @@ func (r *Repository) finalizeCheckout(tx *gorm.DB, order *model.RentalOrder, che
 	order.ActualPureCoinAmountCent = settlement.PureCoinAmountCent
 	order.ActualPureCoinDiscountCent = settlement.PureCoinDiscountCent
 	order.ActualExtraItemAmountCent = settlement.ExtraItemAmountCent
+	order.InsuranceFeeCent = settlement.InsuranceFeeCent
 	if err := appendCheckoutCompletedNotifications(tx, order, renterContent); err != nil {
 		return nil, err
 	}
@@ -140,6 +141,8 @@ func applyCheckoutSettlement(checkout *model.OrderCheckout, settlement checkoutS
 	checkout.RentAmountCent = settlement.ActualRentAmountCent
 	checkout.OwnerRentAmountCent = settlement.OwnerRentIncomeCent
 	checkout.PlatformFeeCent = settlement.PlatformFeeCent
+	checkout.InsuranceFeeBps = settlement.InsuranceFeeBps
+	checkout.InsuranceFeeCent = settlement.InsuranceFeeCent
 	checkout.PureCoinAmountCent = settlement.PureCoinAmountCent
 	checkout.PureCoinDiscountCent = settlement.PureCoinDiscountCent
 	checkout.PureCoinPayableCent = settlement.PureCoinPayableCent