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/lifecycle.go

@@ -151,6 +151,9 @@ func (r *Repository) Create(ctx context.Context, renterID uint64, req CreateRequ
 			AccountSnapshot:             snapshot,
 			AccountSource:               accountSource,
 			SourceChannel:               sourceChannel,
+			IsPremium:                   listing.IsPremium,
+			CompensationPlan:            normalizedCompensationPlan(listing.CompensationPlan),
+			InsuranceFeeBps:             listing.InsuranceFeeBps,
 			Status:                      orderStatusPendingPayment,
 			HandoffStatus:               handoffStatusNone,
 			HandoffMode:                 listingHandoffMode(listing),
@@ -194,6 +197,13 @@ func (r *Repository) Create(ctx context.Context, renterID uint64, req CreateRequ
 	return r.FindForUser(ctx, renterID, createdID, req.DistributionSiteCode)
 }
 
+func normalizedCompensationPlan(plan string) string {
+	if plan == "insurance" {
+		return "insurance"
+	}
+	return "normal"
+}
+
 func loadShelfRatioTx(tx *gorm.DB, siteCode string, listingID uint64) (float64, uint64, error) {
 	siteCode = strings.TrimSpace(siteCode)
 	if siteCode == "" || listingID == 0 {