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

frontend/src/features/admin/views/AdminChatsView.vue

@@ -648,6 +648,7 @@ function paymentBizTypeLabel(type: string) {
     admin_refund: '人工退款',
     cancel_refund: '取消退款',
     admin_close_refund: '客服关闭退款',
+    quality_owner_pay: '优质号主保证金',
   }
   return map[type] || type
 }

frontend/src/features/admin/views/AdminListingsView.vue

@@ -990,6 +990,20 @@ function formatQuantity(value: number) {
           <strong class="listing-code">{{ formatListingCode(row) }}</strong>
         </template>
       </el-table-column>
+      <el-table-column label="专区" width="72">
+        <template #default="{ row }">
+          <el-tag v-if="row.is_premium" type="warning" size="small">极品</el-tag>
+          <span v-else>普通</span>
+        </template>
+      </el-table-column>
+      <el-table-column label="赔付方案" width="102">
+        <template #default="{ row }">
+          <span v-if="row.compensation_plan === 'insurance'">
+            无忧保险 {{ (Number(row.insurance_fee_bps || 0) / 100).toFixed(1) }}%
+          </span>
+          <span v-else>普通赔付</span>
+        </template>
+      </el-table-column>
       <el-table-column label="地区" width="86">
         <template #default="{ row }">{{ regionText(row) }}</template>
       </el-table-column>

frontend/src/features/admin/views/AdminPaymentsView.vue

@@ -37,7 +37,12 @@ const filters = reactive({
 
 const payAmount = computed(() =>
   payments.value
-    .filter(item => item.biz_type === 'order_pay' || item.biz_type === 'mohong_pay')
+    .filter(
+      item =>
+        item.biz_type === 'order_pay' ||
+        item.biz_type === 'mohong_pay' ||
+        item.biz_type === 'quality_owner_pay'
+    )
     .reduce((sum, item) => sum + Number(item.amount_cent || 0), 0)
 )
 const refundAmount = computed(() =>
@@ -123,6 +128,7 @@ function bizTypeLabel(type: string) {
     rent_refund: '租金退款',
     arbitration_refund: '仲裁退款',
     mohong_pay: '撞车支付',
+    quality_owner_pay: '优质号主保证金',
     mohong_refund: '撞车退款',
   }
   return map[type] || type
@@ -225,6 +231,7 @@ function jsonText(value: unknown) {
           >
             <el-option label="订单支付" value="order_pay" />
             <el-option label="撞车支付" value="mohong_pay" />
+            <el-option label="优质号主保证金" value="quality_owner_pay" />
             <el-option label="结账退款" value="checkout_refund" />
             <el-option label="仲裁退款" value="arbitration_refund" />
             <el-option label="人工退款" value="admin_refund" />

frontend/src/features/admin/views/AdminSystemConfigsView.vue

@@ -51,6 +51,7 @@ import PostRentalNoticeDialog from '../components/PostRentalNoticeDialog.vue'
 import GeneralConfigDialog from '../components/GeneralConfigDialog.vue'
 import RenterGrowthConfigDialog from '../components/RenterGrowthConfigDialog.vue'
 import SmsNodeTemplatesDialog from '../components/SmsNodeTemplatesDialog.vue'
+import QualityOwnerConfigDialog from '../components/QualityOwnerConfigDialog.vue'
 import AutoWelcomeConfig from '../components/AutoWelcomeConfig.vue'
 import {
   fetchAutoWelcomeMessage,
@@ -88,6 +89,7 @@ const currentEditingConfig = ref<SystemConfig | null>(null)
 // 各种子 Dialog 的可见性控制
 const publishVisible = ref(false)
 const salePriceVisible = ref(false)
+const qualityOwnerVisible = ref(false)
 const announcementsVisible = ref(false)
 const bannersVisible = ref(false)
 const awRecycleVisible = ref(false)
@@ -105,6 +107,9 @@ const publishConfig = computed(
 const salePriceConfig = computed(
   () => configs.value.find(item => item.key === 'listing.sale_price_config') || null
 )
+const qualityOwnerConfig = computed(
+  () => configs.value.find(item => item.key === 'quality_owner.rules') || null
+)
 const listingPublishCooldownConfig = computed(
   () => configs.value.find(item => item.key === 'listing.publish_cooldown_minutes') || null
 )
@@ -176,6 +181,7 @@ const regularConfigs = computed(() =>
     item =>
       item.key !== 'listing.publish_options' &&
       item.key !== 'listing.sale_price_config' &&
+      item.key !== 'quality_owner.rules' &&
       item.key !== 'listing.publish_cooldown_minutes' &&
       item.key !== 'mobile.home_announcements' &&
       item.key !== 'mobile.home_banners' &&
@@ -220,6 +226,19 @@ const salePriceStats = computed(() => {
   }
 })
 
+const qualityOwnerStats = computed(() => {
+  try {
+    const parsed = JSON.parse(qualityOwnerConfig.value?.value || '{}')
+    return {
+      deposit: Number(parsed.deposit_amount_cent || 20000) / 100,
+      insurance: Number(parsed.insurance_fee_bps || 800) / 100,
+      premium: Number(parsed.premium_insurance_fee_bps || 400) / 100,
+    }
+  } catch {
+    return { deposit: 200, insurance: 8, premium: 4 }
+  }
+})
+
 const homeStats = computed(() => {
   const announcements = parseHomeAnnouncements(homeAnnouncementsConfig.value?.value || '')
   const banners = parseHomeBanners(homeBannersConfig.value?.value || '')
@@ -343,6 +362,8 @@ function openEdit(row: SystemConfig) {
     publishVisible.value = true
   } else if (row.key === 'listing.sale_price_config') {
     salePriceVisible.value = true
+  } else if (row.key === 'quality_owner.rules') {
+    qualityOwnerVisible.value = true
   } else if (row.key === 'mobile.home_announcements') {
     announcementsVisible.value = true
   } else if (row.key === 'mobile.home_banners') {
@@ -633,6 +654,43 @@ function formatConfigValue(row: SystemConfig) {
       </div>
     </section>
 
+    <section v-if="qualityOwnerConfig" class="publish-config-panel">
+      <div class="publish-config-main">
+        <div>
+          <p class="eyebrow">Premium Owner</p>
+          <h2>优质号主与无忧租号保险</h2>
+          <span>
+            配置优质号主保证金，以及普通发布和「优质号主 + 极品专区」的无忧租号保险服务费率。
+          </span>
+        </div>
+        <el-button type="primary" @click="openEdit(qualityOwnerConfig)">
+          编辑保证金与费率
+        </el-button>
+      </div>
+      <div class="publish-stat-grid home-stat-grid">
+        <div class="publish-stat">
+          <strong>¥{{ qualityOwnerStats.deposit }}</strong>
+          <span>优质号主保证金</span>
+        </div>
+        <div class="publish-stat">
+          <strong>{{ qualityOwnerStats.insurance }}%</strong>
+          <span>普通保险费率</span>
+        </div>
+        <div class="publish-stat">
+          <strong>{{ qualityOwnerStats.premium }}%</strong>
+          <span>极品专区专享费率</span>
+        </div>
+        <div class="publish-stat">
+          <strong>订单快照</strong>
+          <span>历史订单不受调价影响</span>
+        </div>
+        <div class="publish-stat">
+          <strong>更新</strong>
+          <span>{{ formatHomeConfigStatus(qualityOwnerConfig, '未初始化') }}</span>
+        </div>
+      </div>
+    </section>
+
     <section v-if="renterGrowthConfig" class="publish-config-panel">
       <div class="publish-config-main">
         <div>
@@ -1009,6 +1067,13 @@ function formatConfigValue(row: SystemConfig) {
       @saved="loadConfigs"
     />
 
+    <QualityOwnerConfigDialog
+      v-if="qualityOwnerConfig"
+      v-model="qualityOwnerVisible"
+      :config="qualityOwnerConfig"
+      @saved="loadConfigs"
+    />
+
     <HomeAnnouncementsDialog
       v-if="homeAnnouncementsConfig"
       v-model="announcementsVisible"

frontend/src/features/admin/views/AdminUsersView.vue

@@ -12,6 +12,7 @@ import {
   manualAdminUserRealname,
   revokeAdminUserRealname,
   setAdminUserDepositFreeQuota,
+  setAdminUserQualityOwner,
   unfreezeAdminUser,
   type AdminUserItem,
   type AdminUserQuery,
@@ -27,6 +28,7 @@ import AdminUserDetailDrawer from '../components/AdminUserDetailDrawer.vue'
 const adminSession = useAdminSessionStore()
 const canAdjustWallet = computed(() => adminSession.hasPermission('user:wallet_adjust'))
 const canAdjustGrowthPoints = computed(() => adminSession.hasPermission('user:growth_points'))
+const canSetQualityOwner = computed(() => adminSession.hasPermission('user:quality_owner'))
 const canViewUserDetail = computed(
   () =>
     adminSession.hasPermission('wallet:view') ||
@@ -65,6 +67,7 @@ const filters = reactive<AdminUserQuery>({
   keyword: '',
   status: '',
   has_deposit_free_quota: false,
+  quality_owner_only: false,
 })
 
 const {
@@ -87,6 +90,7 @@ function resetFilters() {
   filters.keyword = ''
   filters.status = ''
   filters.has_deposit_free_quota = false
+  filters.quality_owner_only = false
   queryUsers()
 }
 
@@ -317,6 +321,40 @@ async function handleWalletAdjust() {
   }
 }
 
+async function handleToggleQualityOwner(row: AdminUserItem) {
+  const enabling = row.quality_owner_status !== 'active'
+  try {
+    const { value } = await ElMessageBox.prompt(
+      enabling
+        ? '后台手动开通将直接发放优质号主资格并跳过保证金缴纳，请填写原因。'
+        : '取消后用户将无法继续发布到极品专区，已发布的极品商品会下架；用户自缴保证金将退回可用余额。',
+      enabling ? '设置优质号主' : '取消优质号主',
+      {
+        inputPlaceholder: '请填写 2-200 字操作原因',
+        inputValidator: value => {
+          const length = value.trim().length
+          return (length >= 2 && length <= 200) || '请填写 2-200 字操作原因'
+        },
+        confirmButtonText: enabling ? '确认开通' : '确认取消',
+        cancelButtonText: '取消',
+        type: 'warning',
+      }
+    )
+    submitting.value = true
+    await setAdminUserQualityOwner(row.id, {
+      enabled: enabling,
+      reason: value.trim(),
+    })
+    ElMessage.success(enabling ? '已设置为优质号主' : '已取消优质号主')
+    await loadUsers()
+  } catch (error) {
+    if (error === 'cancel' || error === 'close') return
+    ElMessage.error(readError(error, '设置优质号主失败'))
+  } finally {
+    submitting.value = false
+  }
+}
+
 function moneyCent(value: number | string | undefined) {
   return formatCent(Number(value || 0))
 }
@@ -363,6 +401,11 @@ function moneyCent(value: number | string | undefined) {
             仅看有额度
           </el-checkbox>
         </el-form-item>
+        <el-form-item label="号主类型">
+          <el-checkbox v-model="filters.quality_owner_only" @change="queryUsers">
+            仅看优质号主
+          </el-checkbox>
+        </el-form-item>
         <el-form-item>
           <el-button type="primary" :icon="Search" :loading="loading" @click="queryUsers"
             >查询</el-button
@@ -382,6 +425,14 @@ function moneyCent(value: number | string | undefined) {
       <el-table-column label="实名状态" width="100">
         <template #default="{ row }">{{ realnameStatusLabel(row.realname_status) }}</template>
       </el-table-column>
+      <el-table-column label="号主类型" width="110">
+        <template #default="{ row }">
+          <el-tag v-if="row.quality_owner_status === 'active'" type="warning" effect="light">
+            优质号主
+          </el-tag>
+          <span v-else class="muted-text">普通</span>
+        </template>
+      </el-table-column>
       <el-table-column label="成长等级" width="100">
         <template #default="{ row }">
           <el-tag type="success" effect="light">{{
@@ -424,7 +475,7 @@ function moneyCent(value: number | string | undefined) {
       <el-table-column label="注册时间" min-width="160">
         <template #default="{ row }">{{ formatDateTime(row.created_at) }}</template>
       </el-table-column>
-      <el-table-column label="操作" width="400" fixed="right" align="right">
+      <el-table-column label="操作" width="470" fixed="right" align="right">
         <template #default="{ row }">
           <div class="table-actions">
             <el-button
@@ -457,6 +508,16 @@ function moneyCent(value: number | string | undefined) {
             <el-button text type="primary" size="small" @click="openDepositQuota(row)">
               人工免押
             </el-button>
+            <el-button
+              v-if="canSetQualityOwner"
+              text
+              type="warning"
+              size="small"
+              :loading="submitting"
+              @click="handleToggleQualityOwner(row)"
+            >
+              {{ row.quality_owner_status === 'active' ? '取消优质' : '设为优质' }}
+            </el-button>
             <el-button
               v-if="row.realname_status !== 'verified'"
               text