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/systemconfig/repository.go

@@ -10,6 +10,7 @@ import (
 
 	"hfb_sys/backend/internal/auditlog"
 	"hfb_sys/backend/internal/model"
+	"hfb_sys/backend/internal/modules/qualityowner"
 	"hfb_sys/backend/internal/modules/rentergrowth"
 	smsnode "hfb_sys/backend/internal/modules/sms"
 
@@ -39,6 +40,7 @@ var defaultConfigs = []defaultConfig{
 	{Key: "order.return_overdue_grace_minutes", Value: "10", Description: "预计截止后结账宽限分钟数"},
 	{Key: "listing.review_required", Value: "false", Description: "发布账号是否需要后台人工审核"},
 	{Key: "listing.publish_cooldown_minutes", Value: "5", Description: "同一用户两次新增发布账号的最小间隔分钟数（0 表示关闭）"},
+	{Key: qualityowner.ConfigKey, Value: qualityowner.DefaultConfigValue(), Description: "优质号主保证金与无忧租号保险费率配置 JSON"},
 	{Key: listingPublishAgreementsConfigKey, Value: defaultListingPublishAgreementsConfigValue(), Description: "发布账号前协议配置 JSON"},
 	{Key: orderAgreementsConfigKey, Value: defaultOrderAgreementsConfigValue(), Description: "下单前协议配置 JSON"},
 	{Key: postRentalNoticeConfigKey, Value: defaultPostRentalNoticeConfigValue(), Description: "租后须知配置 JSON"},
@@ -91,6 +93,7 @@ var adminVisibleConfigKeys = []string{
 	"order.pending_payment_timeout_minutes",
 	"order.return_overdue_grace_minutes",
 	"profile.post_rental_notice",
+	qualityowner.ConfigKey,
 	"renter.growth_level_rules",
 	"sms.business_templates",
 }

backend/internal/modules/systemconfig/service_update.go

@@ -5,6 +5,7 @@ import (
 	"strconv"
 	"strings"
 
+	"hfb_sys/backend/internal/modules/qualityowner"
 	"hfb_sys/backend/internal/modules/rentergrowth"
 	smsnode "hfb_sys/backend/internal/modules/sms"
 )
@@ -55,6 +56,17 @@ func (s *Service) Update(ctx context.Context, actorID uint64, key string, req Up
 		}
 		req.Value = value
 	}
+	if key == qualityowner.ConfigKey {
+		cfg, err := qualityowner.ParseConfigValue(req.Value)
+		if err != nil {
+			return nil, ErrInvalidConfig
+		}
+		value, err := qualityowner.MarshalConfig(cfg)
+		if err != nil {
+			return nil, ErrInvalidConfig
+		}
+		req.Value = value
+	}
 	return s.repo.Update(ctx, actorID, key, req, meta)
 }