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/presenter.go

@@ -115,6 +115,10 @@ func (row orderRow) toAdminDTO() OrderDTO {
 		AccountSnapshot:             row.AccountSnapshot,
 		AccountSource:               effectiveAccountSource(row.RentalOrder),
 		SourceChannel:               row.SourceChannel,
+		IsPremium:                   row.IsPremium,
+		CompensationPlan:            normalizedCompensationPlan(row.CompensationPlan),
+		InsuranceFeeBps:             row.InsuranceFeeBps,
+		InsuranceFeeCent:            row.InsuranceFeeCent,
 		Status:                      row.Status,
 		HandoffStatus:               row.HandoffStatus,
 		HandoffMode:                 effectiveHandoffMode(row.RentalOrder),
@@ -312,6 +316,8 @@ func toCheckoutAdminDTO(checkout model.OrderCheckout) CheckoutDTO {
 		RentAmountCent:          &rentAmountCent,
 		OwnerRentAmountCent:     &ownerRentAmountCent,
 		PlatformFeeCent:         &platformFeeCent,
+		InsuranceFeeBps:         checkout.InsuranceFeeBps,
+		InsuranceFeeCent:        checkout.InsuranceFeeCent,
 		DepositAmountCent:       checkout.DepositAmountCent,
 		PureCoinAmountCent:      checkout.PureCoinAmountCent,
 		PureCoinDiscountCent:    checkout.PureCoinDiscountCent,