fix: 按实际纯币结算金额计算保险费用

backend/internal/modules/order/pricing.go

@@ -406,7 +406,7 @@ func calculateCheckoutSettlement(order model.RentalOrder, consumableAmountCent i
 	// 可完结时租客实际承担的租金向金额；有 shortfall 时仍展示完整应付便于协商
 	actualRentAmountCent := actualBuyerRentCent
 	ownerRentIncomeCent := actualOwnerRentCent
-	insuranceFeeCent := calculateInsuranceFeeCent(ownerRentIncomeCent, order.InsuranceFeeBps)
+	insuranceFeeCent := calculateInsuranceFeeCent(usedOwnerCoinPriceCent, order.InsuranceFeeBps)
 	ownerRentIncomeCent = maxCent(ownerRentIncomeCent-insuranceFeeCent, 0)
 	platformFeeCent := maxCent(actualRentAmountCent-ownerRentIncomeCent, 0)
 	depositCompensationCent := damageAppliedCent

backend/internal/modules/order/pricing_insurance_test.go

@@ -49,13 +49,48 @@ func TestCalculateCheckoutSettlementDeductsPremiumInsuranceFee(t *testing.T) {
 	}
 
 	settlement := calculateCheckoutSettlement(order, 12000, 100, 0)
-	if settlement.InsuranceFeeBps != 400 || settlement.InsuranceFeeCent != 1412 {
+	if settlement.InsuranceFeeBps != 400 || settlement.InsuranceFeeCent != 932 {
 		t.Fatalf("保险费用快照不正确: bps=%d fee=%d", settlement.InsuranceFeeBps, settlement.InsuranceFeeCent)
 	}
-	if settlement.OwnerRentIncomeCent != 33888 {
+	if settlement.OwnerRentIncomeCent != 34368 {
-		t.Fatalf("号主净租金 = %d, want 33888", settlement.OwnerRentIncomeCent)
+		t.Fatalf("号主净租金 = %d, want 34368", settlement.OwnerRentIncomeCent)
 	}
-	if settlement.PlatformFeeCent != 4412 {
+	if settlement.PlatformFeeCent != 3932 {
-		t.Fatalf("平台收入 = %d, want 4412", settlement.PlatformFeeCent)
+		t.Fatalf("平台收入 = %d, want 3932", settlement.PlatformFeeCent)
+	}
+}
+
+func TestCalculateCheckoutSettlementUsesActualPureCoinAsInsuranceBase(t *testing.T) {
+	order := model.RentalOrder{
+		RentAmountCent:      25000,
+		OwnerRentAmountCent: 25000,
+		DepositAmountCent:   15000,
+		InsuranceFeeBps:     800,
+		AccountSnapshot: datatypes.JSON([]byte(`{
+			"haf_coin_amount": 100000000,
+			"asset_summary": {
+				"price_breakdown": {
+					"buyer_ratio": 40,
+					"seller_ratio": 40,
+					"buyer_coin_base_price": 250,
+					"seller_coin_base_price": 250,
+					"consumable_price": 0
+				}
+			}
+		}`)),
+	}
+
+	settlement := calculateCheckoutSettlement(order, 5000, 50, 0)
+	if settlement.PureCoinAmountCent != 12500 {
+		t.Fatalf("实际纯币原价 = %d, want 12500", settlement.PureCoinAmountCent)
+	}
+	if settlement.InsuranceFeeCent != 1000 {
+		t.Fatalf("保险费用 = %d, want 1000", settlement.InsuranceFeeCent)
+	}
+	if settlement.ExtraItemAmountCent != 5000 {
+		t.Fatalf("额外物品 = %d, want 5000", settlement.ExtraItemAmountCent)
+	}
+	if settlement.OwnerRentIncomeCent != 16500 {
+		t.Fatalf("号主净租金 = %d, want 16500", settlement.OwnerRentIncomeCent)
 	}
 }

backend/internal/modules/systemconfig/normalize.go

@@ -9,6 +9,21 @@ import (
 const defaultBannerHotspotHoverScale = 1.06
 const maxBannerHotspotHoverScale = 1.5
 
+func migrateInsuranceBillingCopy(value string) string {
+	value = strings.Replace(
+		value,
+		"注:选择此方案，需额外抽取订单佣金的8.0%作为服务费:押金须达到推荐押金方可购买。",
+		"无忧保险服务费按实际纯币结算金额计算，额外物品不计入计费基数；具体费率以当前配置为准。押金须达到推荐押金方可购买。",
+		1,
+	)
+	return strings.Replace(
+		value,
+		"并从卖家实际到手租金中扣除。",
+		"并按实际纯币结算金额计算，额外物品不计入保险基数。",
+		1,
+	)
+}
+
 func normalizeAnnouncements(items []string) []string {
 	normalized := make([]string, 0, len(items))
 	for _, item := range items {
@@ -236,9 +251,15 @@ func normalizePublishOptions(options *PublishOptionsDTO) {
 	}
 	if options.PriceConfig.PremiumZoneTooltip == "" {
 		options.PriceConfig.PremiumZoneTooltip = defaults.PriceConfig.PremiumZoneTooltip
+	} else {
+		options.PriceConfig.PremiumZoneTooltip =
+			migrateInsuranceBillingCopy(options.PriceConfig.PremiumZoneTooltip)
 	}
 	if options.PriceConfig.CompensationNote == "" {
 		options.PriceConfig.CompensationNote = defaults.PriceConfig.CompensationNote
+	} else {
+		options.PriceConfig.CompensationNote =
+			migrateInsuranceBillingCopy(options.PriceConfig.CompensationNote)
 	}
 	if options.PriceConfig.PricePlaceholder == "" {
 		options.PriceConfig.PricePlaceholder = defaults.PriceConfig.PricePlaceholder

backend/internal/modules/systemconfig/publish_options.go

@@ -120,9 +120,9 @@ func DefaultPublishOptions() PublishOptionsDTO {
 1. 发布条件：仅已认证且有效的优质号主可以开启；未开通时需先缴纳平台要求的信用保证金并完成优质号主认证。
 2. 专区展示：商品审核通过后将在首页“极品专区”展示，获得更聚焦的高端账号曝光。
 3. 价格规则：系统会按后台配置在基础比例上计算极品专区专享比例，审核页展示的最终价格通过后不再改价。
-4. 保险服务：可选择无忧租号保险，服务费率按优质号主及极品专区的当前配置执行，并从卖家实际到手租金中扣除。
+4. 保险服务：可选择无忧租号保险，服务费率按优质号主及极品专区的当前配置执行，并按实际纯币结算金额计算，额外物品不计入保险基数。
 5. 责任说明：开启专区不会免除商品审核、资料真实性及发布协议中的责任，请如实填写账号资产与出租条件。`,
-			CompensationNote: "普通赔付方案如下：账号在租期内或祖期外出现封禁，追回、洗号等情况，最高可获赔全款相金+押金\n\n无忧保险赔付方案：按账号市场价值进行赔付(可参照螃蟹，盼之等主流交易平台)。注:选择此方案，需额外抽取订单佣金的8.0%作为服务费:押金须达到推荐押金方可购买。",
+			CompensationNote: "普通赔付方案如下：账号在租期内或祖期外出现封禁，追回、洗号等情况，最高可获赔全款相金+押金\n\n无忧保险赔付方案：按账号市场价值进行赔付(可参照螃蟹，盼之等主流交易平台)。无忧保险服务费按实际纯币结算金额计算，额外物品不计入计费基数；具体费率以当前配置为准。押金须达到推荐押金方可购买。",
 			PricePlaceholder: "填写币数、保险、体力和负重后自动计算；发布总价=纯币基础价+额外消耗品",
 			RatioDescription: "1:xx 表示 1 元人民币（RMB）等价兑换 xx 万哈夫币",
 		},

backend/internal/modules/systemconfig/publish_options_test.go

@@ -178,6 +178,33 @@ func TestNormalizePublishOptionsValueDefaultsPremiumZoneTooltip(t *testing.T) {
 	}
 }
 
+func TestNormalizePublishOptionsValueMigratesInsuranceBillingBaseCopy(t *testing.T) {
+	options := DefaultPublishOptions()
+	options.PriceConfig.CompensationNote = "注:选择此方案，需额外抽取订单佣金的8.0%作为服务费:押金须达到推荐押金方可购买。"
+	options.PriceConfig.PremiumZoneTooltip = "4. 保险服务：服务费率按当前配置执行，并从卖家实际到手租金中扣除。"
+	raw, err := json.Marshal(options)
+	if err != nil {
+		t.Fatalf("构造配置失败: %v", err)
+	}
+	normalized, err := normalizePublishOptionsValue(string(raw))
+	if err != nil {
+		t.Fatalf("规范化失败: %v", err)
+	}
+	var got PublishOptionsDTO
+	if err := json.Unmarshal([]byte(normalized), &got); err != nil {
+		t.Fatalf("解析规范化结果失败: %v", err)
+	}
+	if !strings.Contains(got.PriceConfig.CompensationNote, "按实际纯币结算金额计算") {
+		t.Fatalf("赔付说明未迁移纯币计费口径: %q", got.PriceConfig.CompensationNote)
+	}
+	if strings.Contains(got.PriceConfig.CompensationNote, "订单佣金") {
+		t.Fatalf("赔付说明仍含旧计费口径: %q", got.PriceConfig.CompensationNote)
+	}
+	if !strings.Contains(got.PriceConfig.PremiumZoneTooltip, "额外物品不计入保险基数") {
+		t.Fatalf("专区说明未迁移纯币计费口径: %q", got.PriceConfig.PremiumZoneTooltip)
+	}
+}
+
 func TestNormalizePublishOptionsValuePreservesExplicitZeroPremiumReviewRatioMarkup(t *testing.T) {
 	options := DefaultPublishOptions()
 	options.RatioConfig.PremiumReviewRatioMarkup = 0

frontend/src/features/admin/components/QualityOwnerConfigDialog.vue

@@ -156,7 +156,7 @@ async function save() {
     <el-alert
       type="info"
       :closable="false"
-      title="费率按号主实际到手租金计算，并在订单结算时扣减；历史订单保留下单时费率快照。协议正文支持 Markdown 表格。"
+      title="费率按实际纯币结算金额计算，额外物品不计入基数，并在订单结算时扣减；历史订单保留下单时费率快照。协议正文支持 Markdown 表格。"
     />
     <template #footer>
       <el-button @click="emit('update:modelValue', false)">取消</el-button>

frontend/src/features/listings/api/listingOptions.ts

@@ -154,7 +154,7 @@ const defaultPremiumZoneTooltip = `极品专区是面向优质号主和高价值
 1. 发布条件：仅已认证且有效的优质号主可以开启；未开通时需先缴纳平台要求的信用保证金并完成优质号主认证。
 2. 专区展示：商品审核通过后将在首页“极品专区”展示，获得更聚焦的高端账号曝光。
 3. 价格规则：系统会按后台配置在基础比例上计算极品专区专享比例，审核页展示的最终价格通过后不再改价。
-4. 保险服务：可选择无忧租号保险，服务费率按优质号主及极品专区的当前配置执行，并从卖家实际到手租金中扣除。
+4. 保险服务：可选择无忧租号保险，服务费率按优质号主及极品专区的当前配置执行，并按实际纯币结算金额计算，额外物品不计入保险基数。
 5. 责任说明：开启专区不会免除商品审核、资料真实性及发布协议中的责任，请如实填写账号资产与出租条件。`
 
 export const emptyListingPublishOptions: ListingPublishOptions = {
@@ -180,7 +180,7 @@ export const emptyListingPublishOptions: ListingPublishOptions = {
     deposit_tooltip: defaultDepositTooltip,
     premium_zone_tooltip: defaultPremiumZoneTooltip,
     compensation_note:
-      '普通赔付方案如下：账号在租期内或祖期外出现封禁，追回、洗号等情况，最高可获赔全款相金+押金\n\n无忧保险赔付方案：按账号市场价值进行赔付(可参照螃蟹，盼之等主流交易平台)。注:选择此方案，需额外抽取订单佣金的8.0%作为服务费:押金须达到推荐押金方可购买。',
+      '普通赔付方案如下：账号在租期内或祖期外出现封禁，追回、洗号等情况，最高可获赔全款相金+押金\n\n无忧保险赔付方案：按账号市场价值进行赔付(可参照螃蟹，盼之等主流交易平台)。无忧保险服务费按实际纯币结算金额计算，额外物品不计入计费基数；具体费率以当前配置为准。押金须达到推荐押金方可购买。',
     price_placeholder: '',
     ratio_description: '',
   },

frontend/src/features/orders/composables/__tests__/useCheckoutSimulator.spec.ts

@@ -0,0 +1,72 @@
+import { describe, expect, it } from 'vitest'
+import { ref } from 'vue'
+
+import type { Order } from '@/features/orders/api/orders'
+import type { CounterFormState } from '@/features/orders/composables/useOrderActions'
+import { useCheckoutSimulator } from '@/features/orders/composables/useCheckoutSimulator'
+
+function orderFixture(): Order {
+  return {
+    id: 1,
+    order_no: 'ORDER-1',
+    listing_id: 1,
+    listing_no: 'LISTING-1',
+    account_id: 1,
+    owner_id: 1,
+    renter_id: 2,
+    title: '测试账号',
+    server_region: '国服',
+    login_platform: '扫码',
+    estimated_duration_hours: 24,
+    display_amount_cent: 25000,
+    rent_amount_cent: 25000,
+    owner_rent_amount_cent: 25000,
+    deposit_amount_cent: 15000,
+    deposit_original_amount_cent: 15000,
+    deposit_waived_amount_cent: 0,
+    insurance_fee_bps: 800,
+    account_snapshot: {
+      haf_coin_amount: 100_000_000,
+      asset_summary: {
+        price_breakdown: {
+          buyer_ratio: 40,
+          seller_ratio: 40,
+          buyer_coin_base_price: 250,
+          seller_coin_base_price: 250,
+          consumable_price: 0,
+        },
+      },
+    },
+    status: 'renting',
+    handoff_status: 'received',
+    settlement_status: 'unsettled',
+    created_at: '2026-11-05T00:00:00+08:00',
+    updated_at: '2026-11-05T00:00:00+08:00',
+  }
+}
+
+describe('useCheckoutSimulator insurance fee', () => {
+  it('按实际纯币结算金额计费，额外物品不进入保险基数', () => {
+    const form = ref<CounterFormState>({
+      consumableAmountYuan: 50,
+      coin_consumed_m: 50,
+      depositDeductAmountYuan: 0,
+      reason: '',
+      evidenceText: '',
+    })
+    const simulator = useCheckoutSimulator({
+      order: ref(orderFixture()),
+      isOwner: ref(true),
+      isRenter: ref(false),
+      form,
+    })
+
+    expect(simulator.value?.role).toBe('owner')
+    if (!simulator.value || simulator.value.role !== 'owner') {
+      throw new Error('owner simulation missing')
+    }
+    expect(simulator.value.insuranceFeeYuan).toBe(10)
+    expect(simulator.value.rentIncomeYuan).toBe(165)
+    expect(simulator.value.lossCompensationYuan).toBe(50)
+  })
+})

frontend/src/features/orders/composables/useCheckoutSimulator.ts

@@ -102,7 +102,7 @@ export function useCheckoutSimulator(options: {
 
       const grossOwnerRentIncomeYuan = roundMoney(ownerCoinYuan + ownerConsumableYuan)
       const insuranceFeeYuan = roundMoney(
-        (grossOwnerRentIncomeYuan * Number(o.insurance_fee_bps || 0)) / 10000
+        (ownerCoinYuan * Number(o.insurance_fee_bps || 0)) / 10000
       )
       const ownerRentIncomeYuan = Math.max(
         roundMoney(grossOwnerRentIncomeYuan - insuranceFeeYuan),

frontend/src/features/seller/composables/usePublishForm.ts

@@ -120,7 +120,7 @@ export function usePublishForm(options: UsePublishFormOptions) {
   })
   const calculatedInsuranceFee = computed(() =>
     form.compensation_plan === 'insurance'
-      ? calculateInsuranceFeeAmount(pricing.calculatedSellerPrice.value, insuranceFeeBps.value)
+      ? calculateInsuranceFeeAmount(pricing.calculatedCoinBasePrice.value, insuranceFeeBps.value)
       : 0
   )
   const calculatedTakeHomePrice = computed(() =>

frontend/src/features/seller/views/MobileSellerListingCreateView.vue

@@ -948,7 +948,7 @@ const screenshotGuides: Record<string, string> = {
 
           <div class="coverage-heading">
             <strong>选择赔付方案</strong>
-            <span>服务费按实际到手租金结算扣除</span>
+            <span>按实际纯币结算金额计费，额外物品不计入</span>
           </div>
           <div class="coverage-option-grid">
             <button
@@ -973,7 +973,7 @@ const screenshotGuides: Record<string, string> = {
                 <strong>无忧租号保险</strong>
                 <em class="coverage-rate is-insurance"> {{ insuranceFeePercent.toFixed(1) }}% </em>
               </span>
-              <span>额外保障账号市场价值</span>
+              <span>额外保障账号市场价值，按纯币结算金额计费</span>
               <em v-if="isQualityOwner && form.is_premium" class="coverage-special-rate">
                 已享极品专区专享费率
               </em>
@@ -989,7 +989,7 @@ const screenshotGuides: Record<string, string> = {
             </div>
             <div>
               <span v-if="form.compensation_plan === 'insurance'">
-                无忧租号保险（{{ insuranceFeePercent.toFixed(1) }}%）
+                无忧租号保险（{{ insuranceFeePercent.toFixed(1) }}% · 纯币计费）
               </span>
               <span v-else>普通赔付</span>
               <strong :class="{ 'is-deduction': form.compensation_plan === 'insurance' }">

frontend/src/features/seller/views/SellerListingCreateView.vue

@@ -772,7 +772,7 @@ function selectDailyLoss(value: string | number) {
 
             <div class="coverage-heading">
               <strong>选择赔付方案</strong>
-              <span>服务费按号主实际到手租金计算，结算时自动扣除</span>
+              <span>保险服务费按实际纯币结算金额计算，额外物品不计入基数</span>
             </div>
             <div class="coverage-option-grid">
               <button
@@ -799,7 +799,7 @@ function selectDailyLoss(value: string | number) {
                     {{ insuranceFeePercent.toFixed(1) }}%
                   </em>
                 </span>
-                <span>额外保障账号市场价值，费率按实际到手租金扣除</span>
+                <span>额外保障账号市场价值，费率按实际纯币结算金额扣除</span>
                 <em v-if="isQualityOwner && form.is_premium" class="coverage-special-rate">
                   已享极品专区专享费率
                 </em>
@@ -815,7 +815,7 @@ function selectDailyLoss(value: string | number) {
               </div>
               <div>
                 <span v-if="form.compensation_plan === 'insurance'">
-                  无忧租号保险（{{ insuranceFeePercent.toFixed(1) }}%）
+                  无忧租号保险（{{ insuranceFeePercent.toFixed(1) }}% · 纯币计费）
                 </span>
                 <span v-else>普通赔付</span>
                 <strong :class="{ 'is-deduction': form.compensation_plan === 'insurance' }">
@@ -873,7 +873,7 @@ function selectDailyLoss(value: string | number) {
               <strong>¥{{ formatMoney(calculatedConsumablePrice) }}</strong>
             </div>
             <div v-if="form.compensation_plan === 'insurance'">
-              <span>无忧租号保险（{{ insuranceFeePercent.toFixed(1) }}%）</span>
+              <span>无忧租号保险（{{ insuranceFeePercent.toFixed(1) }}% · 纯币计费）</span>
               <strong class="is-deduction">-¥{{ formatMoney(calculatedInsuranceFee) }}</strong>
             </div>
             <div>

frontend/src/shared/utils/__tests__/pricing.spec.ts

@@ -15,7 +15,11 @@ describe('calculateInsuranceFeeAmount', () => {
     expect(calculateInsuranceFeeAmount(238.1, 400)).toBe(9.52)
   })
 
-  it('保险服务费不超过卖家租金', () => {
+  it('按纯币价格计算保险服务费', () => {
+    expect(calculateInsuranceFeeAmount(250, 800)).toBe(20)
+  })
+
+  it('保险服务费不超过纯币金额', () => {
     expect(calculateInsuranceFeeAmount(1, 10_000)).toBe(1)
   })
 })

frontend/src/shared/utils/pricing.ts

@@ -26,11 +26,11 @@ export function roundMoney(value: number) {
   return Math.round(value * 10) / 10
 }
 
-export function calculateInsuranceFeeAmount(ownerIncomeYuan: number, feeBps: number) {
+export function calculateInsuranceFeeAmount(pureCoinAmountYuan: number, feeBps: number) {
-  const ownerIncomeCent = Math.max(Math.round(Number(ownerIncomeYuan || 0) * 100), 0)
+  const pureCoinAmountCent = Math.max(Math.round(Number(pureCoinAmountYuan || 0) * 100), 0)
   const safeFeeBps = Math.max(Math.round(Number(feeBps || 0)), 0)
-  if (ownerIncomeCent <= 0 || safeFeeBps <= 0) return 0
+  if (pureCoinAmountCent <= 0 || safeFeeBps <= 0) return 0
-  return Math.min(Math.round((ownerIncomeCent * safeFeeBps) / 10_000), ownerIncomeCent) / 100
+  return Math.min(Math.round((pureCoinAmountCent * safeFeeBps) / 10_000), pureCoinAmountCent) / 100
 }
 
 /**