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/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