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/listings/api/listings.ts

@@ -10,6 +10,7 @@ export interface Listing {
   owner_id: number
   owner_phone?: string
   owner_nickname?: string
+  owner_is_quality_owner?: boolean
   source_channel?: string
   is_external_upload?: boolean
   title: string
@@ -33,6 +34,9 @@ export interface Listing {
   distribution_site_id?: number
   distribution_site_code?: string
   distribution_site_name?: string
+  is_premium: boolean
+  compensation_plan: 'normal' | 'insurance' | string
+  insurance_fee_bps: number
   listing_group_conversation_id?: number
   created_at: string
   updated_at: string
@@ -52,6 +56,8 @@ export interface ListingPayload {
   screenshot_urls: string[]
   price_cent: number
   deposit_amount_cent: number
+  is_premium: boolean
+  compensation_plan: 'normal' | 'insurance'
   agreed_virtual_asset_sale: boolean
   agreed_seller_agreement: boolean
 }