feat(listing): 优化优质号主发布与极品专区体验

backend/internal/modules/listing/dto.go

@@ -51,19 +51,20 @@ type ListingDTO struct {
 }
 
 type CreateRequest struct {
-	Title             string         `json:"title" binding:"required"`
+	Title               string         `json:"title" binding:"required"`
-	Description       string         `json:"description"`
+	Description         string         `json:"description"`
-	ServerRegion      string         `json:"server_region" binding:"required"`
+	ServerRegion        string         `json:"server_region" binding:"required"`
-	LoginPlatform     string         `json:"login_platform"`
+	LoginPlatform       string         `json:"login_platform"`
-	RankLevel         string         `json:"rank_level"`
+	RankLevel           string         `json:"rank_level"`
-	HafCoinAmount     int64          `json:"haf_coin_amount"`
+	HafCoinAmount       int64          `json:"haf_coin_amount"`
-	AssetSummary      map[string]any `json:"asset_summary"`
+	AssetSummary        map[string]any `json:"asset_summary"`
-	ScreenshotURLS    []string       `json:"screenshot_urls"`
+	ScreenshotURLS      []string       `json:"screenshot_urls"`
-	PriceCent         int64          `json:"price_cent"`
+	PriceCent           int64          `json:"price_cent"`
-	DepositAmountCent int64          `json:"deposit_amount_cent"`
+	DepositAmountCent   int64          `json:"deposit_amount_cent"`
-	IsPremium         bool           `json:"is_premium"`
+	IsPremium           bool           `json:"is_premium"`
-	CompensationPlan  string         `json:"compensation_plan" binding:"omitempty,oneof=normal insurance"`
+	CompensationPlan    string         `json:"compensation_plan" binding:"omitempty,oneof=normal insurance"`
-	InsuranceFeeBps   int            `json:"-"` // 服务端按配置和用户资格生成，不接受前端指定。
+	InsuranceFeeBps     int            `json:"-"` // 服务端按配置和用户资格生成，不接受前端指定。
+	OwnerIsQualityOwner bool           `json:"-"` // 服务端鉴权结果，用于校验优质号主专享比例。
 
 	AgreedVirtualAssetSale bool `json:"agreed_virtual_asset_sale"`
 	AgreedSellerAgreement  bool `json:"agreed_seller_agreement"`

backend/internal/modules/listing/handler_error.go

@@ -59,6 +59,8 @@ func writeListingError(c *gin.Context, err error) {
 		response.BadRequest(c, "分销站点无效或已停用")
 	case errors.Is(err, ErrPremiumOwnerRequired):
 		response.Error(c, http.StatusForbidden, "quality_owner_required", "仅优质号主可以发布到极品专区")
+	case errors.Is(err, ErrQualityRatioPremiumOnly):
+		response.BadRequest(c, "优质号主专享比例仅可用于极品专区")
 	case isUploadValidationError(err):
 		response.BadRequest(c, err.Error())
 	case isFireLevelTooLow(err):

backend/internal/modules/listing/quality_owner_entitlement_test.go

@@ -34,6 +34,9 @@ func TestApplyPublishEntitlementsPremiumInsurance(t *testing.T) {
 	if req.InsuranceFeeBps != 400 {
 		t.Fatalf("极品专区保险费率 = %d, want 400", req.InsuranceFeeBps)
 	}
+	if !req.OwnerIsQualityOwner {
+		t.Fatal("优质号主发布请求未标记专享比例资格")
+	}
 
 	ordinary := CreateRequest{CompensationPlan: CompensationPlanInsurance}
 	if err := service.applyPublishEntitlements(t.Context(), owner.ID, &ordinary); err != nil {

backend/internal/modules/listing/receive_pricing.go

@@ -49,7 +49,7 @@ func (s *Service) applyMainSiteReceivePricing(ctx context.Context, req *CreateRe
 		return err
 	}
 	applyMainSiteReceivePricing(req, options, config, receiveRatioDelta, receiveCostDelta, onDistributionSite)
-	return nil
+	return validateQualityOwnerPricingMode(req, onDistributionSite)
 }
 
 func applyMainSiteReceivePricing(req *CreateRequest, options systemconfig.PublishOptionsDTO, config salePriceConfig, receiveRatioDelta, receiveCostDelta float64, onDistributionSite bool) {
@@ -71,9 +71,16 @@ func applyMainSiteReceivePricing(req *CreateRequest, options systemconfig.Publis
 	if requestedRatio <= 0 {
 		requestedRatio = readSummaryNumber(breakdown["accelerated_sale_ratio"])
 	}
+	minSaleRatio := referenceRatio
+	if req.OwnerIsQualityOwner {
+		minSaleRatio = roundRatio(referenceRatio - NormalizeQualityOwnerRatioDiscount(options.RatioConfig.QualityOwnerRatioDiscount))
+		if minSaleRatio < minSiteReceiveRatio {
+			minSaleRatio = minSiteReceiveRatio
+		}
+	}
 	costDelta := NormalizeSiteReceiveCostDelta(receiveCostDelta)
 	ratioDelta := NormalizeSiteReceiveRatioDelta(receiveRatioDelta)
-	sellerRatio := clampSaleRatio(referenceRatio, requestedRatio)
+	sellerRatio := clampSaleRatio(referenceRatio, requestedRatio, minSaleRatio)
 	// 分站新口径：收号比例 = R + 压价点数（收号价更低），买家定价锚定主站参考比例 R，不随收号价联动。
 	if onDistributionSite {
 		sellerRatio = ApplySiteReceiveCostDelta(referenceRatio, costDelta)
@@ -98,6 +105,10 @@ func applyMainSiteReceivePricing(req *CreateRequest, options systemconfig.Publis
 	breakdown["consumable_price"] = consumablePrice
 	breakdown["daily_loss_ratio_adjustment"] = calculateDailyLossRatioAdjustment(dailyLoss)
 	breakdown["accelerated_sale_ratio"] = sellerRatio
+	if sellerRatio < referenceRatio {
+		breakdown["quality_owner_ratio_discount"] = roundRatio(referenceRatio - sellerRatio)
+		breakdown["pricing_mode"] = "quality_owner_exclusive"
+	}
 	if onDistributionSite {
 		breakdown["site_receive_cost_delta"] = costDelta
 		breakdown["pricing_model"] = "site_cost_decoupled_v1"
@@ -114,6 +125,18 @@ func applyMainSiteReceivePricing(req *CreateRequest, options systemconfig.Publis
 	req.PriceCent = yuanToCent(pricing.BuyerTotalPrice)
 }
 
+func validateQualityOwnerPricingMode(req *CreateRequest, onDistributionSite bool) error {
+	if req == nil || onDistributionSite || !req.OwnerIsQualityOwner || req.IsPremium {
+		return nil
+	}
+	breakdown := ensurePriceBreakdown(req.AssetSummary)
+	if readSummaryNumber(breakdown["seller_ratio"]) <
+		readSummaryNumber(breakdown["seller_reference_ratio"]) {
+		return ErrQualityRatioPremiumOnly
+	}
+	return nil
+}
+
 // NormalizeSiteReceiveCostDelta 将分站收号压价点数限制在 [0, 20]。
 // 点数越大，分站收号比例越高（相对主站参考比例），收号价越低；0 表示与主站同价收号。
 func NormalizeSiteReceiveCostDelta(delta float64) float64 {
@@ -136,6 +159,17 @@ func ApplySiteReceiveCostDelta(referenceRatio, delta float64) float64 {
 	return siteRatio
 }
 
+// NormalizeQualityOwnerRatioDiscount 限制优质号主专享比例下调值，默认 1、最大 10。
+func NormalizeQualityOwnerRatioDiscount(value float64) float64 {
+	if value < 0 || math.IsNaN(value) || math.IsInf(value, 0) {
+		return 0
+	}
+	if value > maxAcceleratedSaleRatioIncrement {
+		return maxAcceleratedSaleRatioIncrement
+	}
+	return roundRatio(value)
+}
+
 // referenceSellerCoinBasePrice 计算主站参考比例下的号主基础价，用作买家定价锚点。
 func referenceSellerCoinBasePrice(coinWan, referenceRatio float64) float64 {
 	if referenceRatio <= 0 {
@@ -182,7 +216,7 @@ func (s *Service) publishRatioOptions(ctx context.Context) (systemconfig.Publish
 	if strings.TrimSpace(value) == "" {
 		return options, nil
 	}
-	var parsed systemconfig.PublishOptionsDTO
+	parsed := options
 	if err := json.Unmarshal([]byte(value), &parsed); err != nil {
 		return options, nil
 	}
@@ -225,13 +259,13 @@ func calculateSellerReferenceRatio(coinM float64, summary map[string]any, option
 		calculateDailyLossRatioAdjustment(dailyLoss)
 }
 
-func clampSaleRatio(referenceRatio, requestedRatio float64) float64 {
+func clampSaleRatio(referenceRatio, requestedRatio, minRatio float64) float64 {
 	maxRatio := roundRatio(referenceRatio + maxAcceleratedSaleRatioIncrement)
 	if requestedRatio <= 0 {
 		return referenceRatio
 	}
-	if requestedRatio < referenceRatio {
+	if requestedRatio < minRatio {
-		return referenceRatio
+		return minRatio
 	}
 	if requestedRatio > maxRatio {
 		return maxRatio

backend/internal/modules/listing/receive_pricing_test.go

@@ -1,6 +1,7 @@
 package listing
 
 import (
+	"errors"
 	"testing"
 
 	"hfb_sys/backend/internal/modules/systemconfig"
@@ -81,6 +82,63 @@ func TestApplyMainSiteReceivePricingKeepsAcceleratedRatioWithinMainSiteRange(t *
 	}
 }
 
+func TestApplyMainSiteReceivePricingAllowsQualityOwnerExclusiveRatio(t *testing.T) {
+	req := fullReceivePricingRequest(42)
+	req.OwnerIsQualityOwner = true
+	options := systemconfig.DefaultPublishOptions()
+	applyMainSiteReceivePricing(&req, options, defaultSalePriceConfig(), 0, 0, false)
+	breakdown := ensurePriceBreakdown(req.AssetSummary)
+	if readSummaryNumber(breakdown["seller_ratio"]) != 42 {
+		t.Fatalf("quality owner seller_ratio = %v, want 42", breakdown["seller_ratio"])
+	}
+	if readSummaryNumber(breakdown["quality_owner_ratio_discount"]) != 1 {
+		t.Fatalf(
+			"quality owner discount = %v, want 1",
+			breakdown["quality_owner_ratio_discount"],
+		)
+	}
+
+	ordinary := fullReceivePricingRequest(42)
+	applyMainSiteReceivePricing(&ordinary, options, defaultSalePriceConfig(), 0, 0, false)
+	ordinaryBreakdown := ensurePriceBreakdown(ordinary.AssetSummary)
+	if readSummaryNumber(ordinaryBreakdown["seller_ratio"]) != 43 {
+		t.Fatalf("ordinary seller_ratio = %v, want reference 43", ordinaryBreakdown["seller_ratio"])
+	}
+}
+
+func TestQualityOwnerExclusiveRatioUsesConfiguredDiscount(t *testing.T) {
+	req := fullReceivePricingRequest(40)
+	req.OwnerIsQualityOwner = true
+	options := systemconfig.DefaultPublishOptions()
+	options.RatioConfig.QualityOwnerRatioDiscount = 3
+	applyMainSiteReceivePricing(&req, options, defaultSalePriceConfig(), 0, 0, false)
+	breakdown := ensurePriceBreakdown(req.AssetSummary)
+	if readSummaryNumber(breakdown["seller_ratio"]) != 40 {
+		t.Fatalf("configured quality owner seller_ratio = %v, want 40", breakdown["seller_ratio"])
+	}
+}
+
+func TestQualityOwnerExclusiveRatioRequiresPremiumZone(t *testing.T) {
+	req := fullReceivePricingRequest(42)
+	req.OwnerIsQualityOwner = true
+	applyMainSiteReceivePricing(
+		&req,
+		systemconfig.DefaultPublishOptions(),
+		defaultSalePriceConfig(),
+		0,
+		0,
+		false,
+	)
+	if err := validateQualityOwnerPricingMode(&req, false); !errors.Is(err, ErrQualityRatioPremiumOnly) {
+		t.Fatalf("error = %v, want ErrQualityRatioPremiumOnly", err)
+	}
+
+	req.IsPremium = true
+	if err := validateQualityOwnerPricingMode(&req, false); err != nil {
+		t.Fatalf("极品专区发布不应拒绝优质号主专享比例: %v", err)
+	}
+}
+
 func TestDistributionReceiveCostDeltaZeroKeepsMainSitePrice(t *testing.T) {
 	req := fullReceivePricingRequest(50)
 	applyMainSiteReceivePricing(&req, systemconfig.DefaultPublishOptions(), defaultSalePriceConfig(), 0, 0, true)
@@ -146,10 +204,10 @@ func TestApplySiteReceiveRatioDeltaCapsAtMainSite(t *testing.T) {
 }
 
 func TestClampSaleRatioRejectsBelowReference(t *testing.T) {
-	if got := clampSaleRatio(43, 10); got != 43 {
+	if got := clampSaleRatio(43, 10, 43); got != 43 {
 		t.Fatalf("clamp below reference = %v, want 43", got)
 	}
-	if got := clampSaleRatio(43, 80); got != 53 {
+	if got := clampSaleRatio(43, 80, 43); got != 53 {
 		t.Fatalf("clamp above max = %v, want 53", got)
 	}
 }

backend/internal/modules/listing/service.go

@@ -34,6 +34,7 @@ var (
 	ErrSaleRatioOutOfRange      = errors.New("sale ratio out of range")
 	ErrDistributionSiteInvalid  = errors.New("invalid distribution site")
 	ErrPremiumOwnerRequired     = errors.New("premium listing requires quality owner")
+	ErrQualityRatioPremiumOnly  = errors.New("quality owner exclusive ratio requires premium zone")
 )
 
 type Service struct {

backend/internal/modules/listing/service_mutation.go

@@ -18,6 +18,9 @@ func (s *Service) Create(ctx context.Context, ownerID uint64, req CreateRequest,
 	if len(siteCode) > 0 {
 		effectiveSiteCode = strings.TrimSpace(siteCode[0])
 	}
+	if err := s.applyPublishEntitlements(ctx, ownerID, &req); err != nil {
+		return nil, err
+	}
 	delta, onDistribution := s.repo.resolveSiteReceiveCostDelta(ctx, 0, effectiveSiteCode)
 	if err := s.applyMainSiteReceivePricing(ctx, &req, 0, delta, onDistribution); err != nil {
 		return nil, err
@@ -32,9 +35,6 @@ func (s *Service) Create(ctx context.Context, ownerID uint64, req CreateRequest,
 	if err := validateRequiredOnlineTime(req); err != nil {
 		return nil, err
 	}
-	if err := s.applyPublishEntitlements(ctx, ownerID, &req); err != nil {
-		return nil, err
-	}
 	cooldown, err := s.publishCooldown(ctx)
 	if err != nil {
 		return nil, err
@@ -54,6 +54,9 @@ func (s *Service) Update(ctx context.Context, ownerID uint64, id uint64, req Upd
 	if len(siteCode) > 0 {
 		effectiveSiteCode = strings.TrimSpace(siteCode[0])
 	}
+	if err := s.applyPublishEntitlements(ctx, ownerID, &req); err != nil {
+		return nil, err
+	}
 	delta, onDistribution := s.repo.resolveSiteReceiveCostDelta(ctx, id, effectiveSiteCode)
 	if err := s.applyMainSiteReceivePricing(ctx, &req, 0, delta, onDistribution); err != nil {
 		return nil, err
@@ -68,9 +71,6 @@ func (s *Service) Update(ctx context.Context, ownerID uint64, id uint64, req Upd
 	if err := validateRequiredOnlineTime(req); err != nil {
 		return nil, err
 	}
-	if err := s.applyPublishEntitlements(ctx, ownerID, &req); err != nil {
-		return nil, err
-	}
 	reviewRequired, err := s.reviewRequired(ctx)
 	if err != nil {
 		return nil, err
@@ -94,6 +94,7 @@ func (s *Service) applyPublishEntitlements(ctx context.Context, ownerID uint64,
 	if req.IsPremium && !isQualityOwner {
 		return ErrPremiumOwnerRequired
 	}
+	req.OwnerIsQualityOwner = isQualityOwner
 
 	req.InsuranceFeeBps = 0
 	if req.CompensationPlan != CompensationPlanInsurance {

backend/internal/modules/systemconfig/dto.go

@@ -182,9 +182,10 @@ type PublishDepositSkinGroupRule struct {
 }
 
 type PublishRatioConfig struct {
-	InsuranceBaseRatios []PublishInsuranceBaseRatio `json:"insurance_base_ratios"`
+	QualityOwnerRatioDiscount float64                     `json:"quality_owner_ratio_discount"`
-	ConfigItems         []PublishRatioConfigItem    `json:"config_items"`
+	InsuranceBaseRatios       []PublishInsuranceBaseRatio `json:"insurance_base_ratios"`
-	CoinCorrections     []PublishCoinCorrection     `json:"coin_corrections"`
+	ConfigItems               []PublishRatioConfigItem    `json:"config_items"`
+	CoinCorrections           []PublishCoinCorrection     `json:"coin_corrections"`
 }
 
 type PublishInsuranceBaseRatio struct {

backend/internal/modules/systemconfig/publish_options.go

@@ -105,6 +105,7 @@ func DefaultPublishOptions() PublishOptionsDTO {
 			},
 		},
 		RatioConfig: PublishRatioConfig{
+			QualityOwnerRatioDiscount: 1,
 			InsuranceBaseRatios: []PublishInsuranceBaseRatio{
 				{Insurance: "3*3", Ratio: 40},
 				{Insurance: "2*3", Ratio: 42},

backend/internal/modules/systemconfig/publish_options_test.go

@@ -106,6 +106,54 @@ func TestNormalizePublishOptionsValuePreservesCurrentSchema(t *testing.T) {
 	}
 }
 
+func TestNormalizePublishOptionsValueDefaultsQualityOwnerRatioDiscount(t *testing.T) {
+	legacy := `{
+		"schema_version": 2,
+		"ratio_config": {
+			"insurance_base_ratios": [{"insurance": "3*3", "ratio": 40}]
+		}
+	}`
+
+	normalized, err := normalizePublishOptionsValue(legacy)
+	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 got.RatioConfig.QualityOwnerRatioDiscount != 1 {
+		t.Fatalf(
+			"quality_owner_ratio_discount = %v, want 1",
+			got.RatioConfig.QualityOwnerRatioDiscount,
+		)
+	}
+}
+
+func TestNormalizePublishOptionsValuePreservesExplicitZeroQualityOwnerDiscount(t *testing.T) {
+	options := DefaultPublishOptions()
+	options.RatioConfig.QualityOwnerRatioDiscount = 0
+	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 got.RatioConfig.QualityOwnerRatioDiscount != 0 {
+		t.Fatalf(
+			"quality_owner_ratio_discount = %v, want explicit 0",
+			got.RatioConfig.QualityOwnerRatioDiscount,
+		)
+	}
+}
+
 func TestNormalizePublishOptionsValueMigratesSchemaV1Switches(t *testing.T) {
 	legacy := `{"schema_version":1,"next_season_pass_enabled":false,"server_options":["QQ"]}`
 

backend/internal/modules/systemconfig/repository.go

@@ -333,6 +333,10 @@ func normalizePublishOptionsValue(value string) (string, error) {
 	if err := json.Unmarshal([]byte(value), &fields); err != nil {
 		return "", err
 	}
+	if !hasNestedJSONField(fields, "ratio_config", "quality_owner_ratio_discount") {
+		options.RatioConfig.QualityOwnerRatioDiscount =
+			DefaultPublishOptions().RatioConfig.QualityOwnerRatioDiscount
+	}
 	originalVersion := options.SchemaVersion
 	if options.SchemaVersion < publishOptionsSchemaVersion {
 		if hasLegacyPublishQuantityItem(options.QuantityItems) {
@@ -360,6 +364,19 @@ func normalizePublishOptionsValue(value string) (string, error) {
 	return string(raw), nil
 }
 
+func hasNestedJSONField(fields map[string]json.RawMessage, parent, child string) bool {
+	raw, ok := fields[parent]
+	if !ok {
+		return false
+	}
+	var nested map[string]json.RawMessage
+	if err := json.Unmarshal(raw, &nested); err != nil {
+		return false
+	}
+	_, ok = nested[child]
+	return ok
+}
+
 func hasLegacyPublishQuantityItem(items []PublishQuantityItem) bool {
 	for _, item := range items {
 		if item.Key == "kit5" {

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

@@ -401,6 +401,17 @@ async function handleSave() {
           <div class="editor-block-title">
             <strong>比例计算配置</strong>
           </div>
+          <el-form-item label="优质号主专享比例下调">
+            <el-input-number
+              v-model="publishOptionsDraft.ratio_config.quality_owner_ratio_discount"
+              :min="0"
+              :max="10"
+              :step="0.5"
+            />
+            <span class="inline-config-hint">
+              默认 1，表示优质号主可在基础比例上降低 1；普通号主不能使用该区间。
+            </span>
+          </el-form-item>
           <div class="editor-block-title subtle-title">
             <span>保险基础比例</span>
             <el-button size="small" @click="addInsuranceBaseRatio">添加保险比例</el-button>
@@ -635,6 +646,13 @@ async function handleSave() {
   font-size: 13px;
 }
 
+.inline-config-hint {
+  margin-left: 10px;
+  color: #8b95a5;
+  font-size: 12px;
+  line-height: 1.5;
+}
+
 .skin-config-row {
   display: grid;
   grid-template-columns: 140px 180px minmax(0, 1fr) 72px;

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

@@ -78,6 +78,7 @@ export interface PublishSaleRatioAdjustmentRule {
 }
 
 export interface PublishRatioConfig {
+  quality_owner_ratio_discount: number
   insurance_base_ratios: PublishInsuranceBaseRatio[]
   config_items: PublishRatioConfigItem[]
   coin_corrections: PublishCoinCorrection[]
@@ -151,6 +152,7 @@ export const emptyListingPublishOptions: ListingPublishOptions = {
     ],
   },
   ratio_config: {
+    quality_owner_ratio_discount: 1,
     insurance_base_ratios: [],
     config_items: [],
     coin_corrections: [],
@@ -363,6 +365,10 @@ function normalizeDepositSkinGroupRules(values: unknown[]): PublishDepositSkinGr
 function normalizeRatioConfig(value?: unknown): PublishRatioConfig {
   const row = isRecord(value) ? value : {}
   return {
+    quality_owner_ratio_discount: Math.min(
+      10,
+      Math.max(0, readNumber(row.quality_owner_ratio_discount ?? 1))
+    ),
     insurance_base_ratios: normalizeInsuranceBaseRatios(
       Array.isArray(row.insurance_base_ratios) ? row.insurance_base_ratios : []
     ),

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

@@ -37,6 +37,7 @@ export function buildPublishDraft(options: {
   quantityModes: Record<QuantityKey, ChargeMode>
   screenshotFiles: Record<ScreenshotKey, string[]>
   selectedSkins: string[]
+  qualityOwnerRatioDefaultApplied: boolean
 }): PublishDraft {
   return {
     form: {
@@ -47,6 +48,7 @@ export function buildPublishDraft(options: {
     quantityModes: { ...options.quantityModes },
     screenshotFiles: cloneScreenshotFiles(options.screenshotFiles),
     selectedSkins: [...options.selectedSkins],
+    qualityOwnerRatioDefaultApplied: options.qualityOwnerRatioDefaultApplied,
   }
 }
 
@@ -63,6 +65,10 @@ export function readPublishDraft(draftKey: string) {
       selectedSkins: Array.isArray(draft.selectedSkins)
         ? draft.selectedSkins.filter((skin): skin is string => typeof skin === 'string')
         : [],
+      qualityOwnerRatioDefaultApplied:
+        typeof draft.qualityOwnerRatioDefaultApplied === 'boolean'
+          ? draft.qualityOwnerRatioDefaultApplied
+          : undefined,
     }
   } catch {
     localStorage.removeItem(draftKey)

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

@@ -92,6 +92,7 @@ export function usePublishForm(options: UsePublishFormOptions) {
   const unlockDemulanEnabled = computed(() => publishOptions.value.unlock_demulan_enabled)
   const nextSeasonPassEnabled = computed(() => publishOptions.value.next_season_pass_enabled)
   const isQualityOwner = computed(() => qualityOwnerStatus.value?.active === true)
+  const qualityOwnerRatioDefaultApplied = ref(true)
   const insuranceFeeBps = computed(() =>
     form.is_premium && isQualityOwner.value
       ? Number(qualityOwnerStatus.value?.premium_insurance_fee_bps || 400)
@@ -110,7 +111,43 @@ export function usePublishForm(options: UsePublishFormOptions) {
     isDistribution,
     receiveRatioDelta,
     receiveCostDelta,
+    isQualityOwner,
   })
+  const qualityOwnerSaleRatioSelected = computed(
+    () =>
+      isQualityOwner.value &&
+      pricing.qualityOwnerRatioDiscount.value > 0 &&
+      pricing.qualityOwnerSaleRatio.value > 0 &&
+      Math.abs(Number(form.accelerated_sale_ratio) - pricing.qualityOwnerSaleRatio.value) < 0.05
+  )
+  const isQualityOwnerExclusiveRatioActive = computed(
+    () =>
+      isQualityOwner.value &&
+      pricing.calculatedSellerReferenceRatio.value > 0 &&
+      pricing.hasAcceleratedSaleRatioInput() &&
+      Number(form.accelerated_sale_ratio) < pricing.calculatedSellerReferenceRatio.value
+  )
+
+  watch(
+    [isQualityOwner, pricing.qualityOwnerRatioDiscount, pricing.qualityOwnerSaleRatio, isEditMode],
+    ([owner, discount, ratio, editing]) => {
+      if (editing || !owner || discount <= 0 || !qualityOwnerRatioDefaultApplied.value) return
+      if (ratio <= 0) return
+      if (Number(form.accelerated_sale_ratio) !== ratio) {
+        form.accelerated_sale_ratio = ratio
+      }
+    },
+    { immediate: true }
+  )
+  watch(
+    [isQualityOwnerExclusiveRatioActive, () => form.is_premium],
+    ([exclusiveRatio, premium]) => {
+      if (exclusiveRatio && !premium) {
+        form.is_premium = true
+      }
+    },
+    { immediate: true }
+  )
 
   // ========== 上号方式互斥 ==========
   // 微信区账号只能扫码登录：选择微信区后，「账号密码」不可选，默认固定为「扫码」。
@@ -279,6 +316,7 @@ export function usePublishForm(options: UsePublishFormOptions) {
         quantityModes,
         screenshotFiles,
         selectedSkins: selectedSkins.value,
+        qualityOwnerRatioDefaultApplied: qualityOwnerRatioDefaultApplied.value,
       })
     )
   }
@@ -304,6 +342,8 @@ export function usePublishForm(options: UsePublishFormOptions) {
     Object.assign(quantityModes, draft.quantityModes)
     Object.assign(screenshotFiles, draft.screenshotFiles)
     selectedSkins.value = draft.selectedSkins
+    qualityOwnerRatioDefaultApplied.value =
+      draft.qualityOwnerRatioDefaultApplied ?? (form.accelerated_sale_ratio === '' ? true : false)
     hydrateScreenshotPreviews()
   }
 
@@ -368,6 +408,7 @@ export function usePublishForm(options: UsePublishFormOptions) {
     }
 
     selectedSkins.value = Object.values(skinGroups).flatMap(value => stringArray(value))
+    qualityOwnerRatioDefaultApplied.value = false
     virtualAssetSaleAgreementChecked.value = true
     sellerAgreementChecked.value = true
     passwordAndDeviceConfirmed.value = true
@@ -385,6 +426,7 @@ export function usePublishForm(options: UsePublishFormOptions) {
     sellerAgreementChecked.value = false
     passwordAndDeviceConfirmed.value = false
     activeUploadKey.value = 'coin'
+    qualityOwnerRatioDefaultApplied.value = true
 
     // Also re-initialize quantityValues to 0
     for (const item of publishOptions.value.quantity_items) {
@@ -588,6 +630,7 @@ export function usePublishForm(options: UsePublishFormOptions) {
   }
 
   function handleAcceleratedSaleRatioInput(value: string | number | undefined) {
+    qualityOwnerRatioDefaultApplied.value = false
     if (value === '' || value === undefined) {
       form.accelerated_sale_ratio = ''
       return
@@ -645,21 +688,36 @@ export function usePublishForm(options: UsePublishFormOptions) {
     }
     form.accelerated_sale_ratio = roundRatio(
       Math.min(
-        Math.max(ratio, pricing.calculatedDefaultSaleRatio.value),
+        Math.max(ratio, pricing.minAcceleratedSaleRatio.value),
         pricing.maxAcceleratedSaleRatio.value
       )
     )
   }
 
   function useReferenceSaleRatio() {
+    qualityOwnerRatioDefaultApplied.value = false
     form.accelerated_sale_ratio = ''
   }
 
   function useMaxAcceleratedSaleRatio() {
     if (pricing.maxAcceleratedSaleRatio.value <= 0) return
+    qualityOwnerRatioDefaultApplied.value = false
     form.accelerated_sale_ratio = pricing.maxAcceleratedSaleRatio.value
   }
 
+  function useQualityOwnerSaleRatio() {
+    if (
+      !isQualityOwner.value ||
+      pricing.qualityOwnerRatioDiscount.value <= 0 ||
+      pricing.qualityOwnerSaleRatio.value <= 0
+    ) {
+      return
+    }
+    qualityOwnerRatioDefaultApplied.value = true
+    form.accelerated_sale_ratio = pricing.qualityOwnerSaleRatio.value
+    form.is_premium = true
+  }
+
   async function handleSubmit() {
     normalizeOnlineTime()
     const error = validateForm()
@@ -740,10 +798,12 @@ export function usePublishForm(options: UsePublishFormOptions) {
       const ratio = Number(form.accelerated_sale_ratio)
       if (!Number.isFinite(ratio) || ratio <= 0) return '加速出售比例格式不正确'
       if (
-        pricing.calculatedDefaultSaleRatio.value > 0 &&
+        pricing.minAcceleratedSaleRatio.value > 0 &&
-        ratio < pricing.calculatedDefaultSaleRatio.value
+        ratio < pricing.minAcceleratedSaleRatio.value
       ) {
-        return `加速出售比例不能低于默认比例 1:${formatNumber(pricing.calculatedDefaultSaleRatio.value)}`
+        return isQualityOwner.value && pricing.qualityOwnerRatioDiscount.value > 0
+          ? `优质号主专享比例不能低于 1:${formatNumber(pricing.minAcceleratedSaleRatio.value)}`
+          : `加速出售比例不能低于默认比例 1:${formatNumber(pricing.calculatedDefaultSaleRatio.value)}`
       }
       if (
         pricing.maxAcceleratedSaleRatio.value > 0 &&
@@ -779,6 +839,9 @@ export function usePublishForm(options: UsePublishFormOptions) {
     if (!Number.isFinite(pricing.calculatedFinalPrice.value))
       return '发布价格计算异常，请检查填写内容'
     if (form.is_premium && !isQualityOwner.value) return '仅优质号主可以发布到极品专区'
+    if (isQualityOwnerExclusiveRatioActive.value && !form.is_premium) {
+      return '优质号主专享比例仅可用于极品专区'
+    }
     if (!virtualAssetSaleAgreementChecked.value || !sellerAgreementChecked.value) {
       return '请先阅读并勾选两份发布协议'
     }
@@ -837,6 +900,16 @@ export function usePublishForm(options: UsePublishFormOptions) {
         buyer_ratio: pricing.calculatedPlatformPricing.value.buyerRatio,
         platform_markup_amount: pricing.calculatedPlatformPricing.value.platformMarkupAmount,
         platform_rule_type: pricing.calculatedPlatformPricing.value.ruleType,
+        quality_owner_ratio_discount:
+          pricing.calculatedRatio.value < pricing.calculatedSellerReferenceRatio.value
+            ? roundRatio(
+                pricing.calculatedSellerReferenceRatio.value - pricing.calculatedRatio.value
+              )
+            : 0,
+        pricing_mode:
+          pricing.calculatedRatio.value < pricing.calculatedSellerReferenceRatio.value
+            ? 'quality_owner_exclusive'
+            : 'standard',
       },
       season_insurance: form.season_insurance,
       stamina_level: form.stamina_level,
@@ -955,6 +1028,9 @@ export function usePublishForm(options: UsePublishFormOptions) {
     publishAgreements,
     qualityOwnerStatus,
     isQualityOwner,
+    qualityOwnerRatioDefaultApplied,
+    qualityOwnerSaleRatioSelected,
+    isQualityOwnerExclusiveRatioActive,
     insuranceFeeBps,
     insuranceFeePercent,
     virtualAssetSaleAgreementChecked,
@@ -1013,6 +1089,7 @@ export function usePublishForm(options: UsePublishFormOptions) {
     clampAcceleratedSaleRatioInput,
     useReferenceSaleRatio,
     useMaxAcceleratedSaleRatio,
+    useQualityOwnerSaleRatio,
     handleSubmit,
     validateForm,
     isScreenshotRequired,

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

@@ -706,6 +706,19 @@
   gap: 8px;
 }
 
+.ratio-mode-grid.has-quality-owner .ratio-mode-btn:nth-of-type(1) {
+  order: 1;
+}
+
+.ratio-mode-grid.has-quality-owner .ratio-mode-btn:nth-of-type(2) {
+  order: 3;
+  grid-column: 1 / -1;
+}
+
+.ratio-mode-grid.has-quality-owner .ratio-mode-btn:nth-of-type(3) {
+  order: 2;
+}
+
 .ratio-mode-btn {
   display: grid;
   gap: 5px;
@@ -737,6 +750,44 @@
   line-height: 1.25;
 }
 
+.ratio-mode-btn em {
+  width: max-content;
+  margin: 0 auto;
+  padding: 2px 7px;
+  border-radius: 9px;
+  background: #fff3d6;
+  color: #91600d;
+  font-size: 10px;
+  font-style: normal;
+  font-weight: 900;
+}
+
+.ratio-mode-btn--quality {
+  border-color: #dfc98c;
+  background: linear-gradient(135deg, #fffaf0 0%, #faf6ff 100%);
+  text-align: left;
+}
+
+.ratio-mode-btn--quality strong {
+  color: #7a4b0d;
+}
+
+.ratio-mode-btn.ratio-mode-btn--quality.active {
+  border-color: #b7791f;
+  background: linear-gradient(135deg, #fff4d8 0%, #f5edff 100%);
+  box-shadow: 0 0 0 2px rgba(183, 121, 31, 0.12);
+  color: #7a4b0d;
+}
+
+.ratio-mode-btn.ratio-mode-btn--quality.active em {
+  background: #b7791f;
+  color: #fff;
+}
+
+.ratio-mode-btn.ratio-mode-btn--quality.active span {
+  color: #7a4b0d;
+}
+
 .ratio-mode-btn.active {
   border-color: #ff6a00;
   background: #fff7f0;
@@ -880,6 +931,16 @@
   background: #f8fafc;
 }
 
+.premium-coverage-card.is-quality-owner {
+  border-color: #e6d7b5;
+  background: linear-gradient(145deg, #fffdf8 0%, #faf8ff 100%);
+}
+
+.premium-coverage-card.is-premium-active {
+  border-color: #d4ad5e;
+  box-shadow: 0 8px 20px rgba(139, 92, 20, 0.08);
+}
+
 .premium-zone-row,
 .coverage-heading {
   display: flex;
@@ -888,6 +949,34 @@
   gap: 12px;
 }
 
+.premium-zone-copy {
+  display: grid;
+  min-width: 0;
+  gap: 4px;
+}
+
+.premium-zone-title {
+  display: flex;
+  align-items: center;
+  flex-wrap: wrap;
+  gap: 6px;
+}
+
+.premium-zone-title em {
+  padding: 2px 7px;
+  border-radius: 9px;
+  background: #fff3d6;
+  color: #8b5a0d;
+  font-size: 9px;
+  font-style: normal;
+  font-weight: 900;
+}
+
+.premium-zone-title em.is-locked {
+  background: #f1f3f6;
+  color: #7b8492;
+}
+
 .premium-zone-row strong,
 .coverage-heading strong {
   display: block;
@@ -905,16 +994,46 @@
   line-height: 1.45;
 }
 
-.quality-owner-link {
+.premium-zone-action {
-  justify-self: start;
+  display: flex;
-  padding: 0;
+  align-items: center;
-  border: none;
+  flex-shrink: 0;
-  background: transparent;
+  gap: 7px;
-  color: #7c3aed;
+}
-  font-size: 12px;
+
+.premium-zone-action > span {
+  margin: 0;
+  font-size: 10px;
   font-weight: 800;
 }
 
+.premium-zone-action.is-active > span {
+  color: #6d35c7;
+}
+
+.premium-zone-action :deep(.van-switch--on) {
+  background: #7c3aed;
+}
+
+.premium-zone-action :deep(.van-switch--disabled) {
+  opacity: 0.78;
+}
+
+.quality-owner-link {
+  display: inline-flex;
+  align-items: center;
+  justify-self: start;
+  gap: 4px;
+  min-height: 30px;
+  padding: 0 10px;
+  border: 1px solid #ddd0f2;
+  border-radius: 15px;
+  background: #faf5ff;
+  color: #6d35c7;
+  font-size: 12px;
+  font-weight: 900;
+}
+
 .coverage-option-grid {
   display: grid;
   grid-template-columns: repeat(2, minmax(0, 1fr));
@@ -939,6 +1058,32 @@
   font-weight: 800;
 }
 
+.coverage-option > .coverage-option-top {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 6px;
+  color: inherit;
+  font-size: inherit;
+  line-height: normal;
+}
+
+.coverage-option .coverage-rate {
+  flex-shrink: 0;
+  padding: 2px 6px;
+  border-radius: 8px;
+  background: #f0f2f5;
+  color: #505a68;
+  font-size: 10px;
+  font-style: normal;
+  font-weight: 900;
+}
+
+.coverage-option .coverage-rate.is-insurance {
+  background: #f3ebff;
+  color: #6d35c7;
+}
+
 .coverage-option span {
   color: #858c96;
   font-size: 10px;
@@ -952,6 +1097,13 @@
   font-weight: 800;
 }
 
+.coverage-option .coverage-special-rate {
+  width: max-content;
+  padding: 2px 6px;
+  border-radius: 8px;
+  background: #f3ebff;
+}
+
 .coverage-option.active {
   border-color: #7c3aed;
   background: #faf5ff;

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

@@ -27,7 +27,12 @@ const {
   passwordAndDeviceConfirmed,
   canPublishAfterAgreements,
   isQualityOwner,
+  isQualityOwnerExclusiveRatioActive,
+  qualityOwnerSaleRatioSelected,
   qualityOwnerStatus,
+  qualityOwnerRatioDiscount,
+  qualityOwnerSaleRatio,
+  minAcceleratedSaleRatio,
   insuranceFeePercent,
   showBanRecordRiskHint,
   unlockDemulanEnabled,
@@ -91,6 +96,7 @@ const {
   clampAcceleratedSaleRatioInput,
   useReferenceSaleRatio,
   useMaxAcceleratedSaleRatio,
+  useQualityOwnerSaleRatio,
   handleSubmit,
   isScreenshotRequired,
 } = usePublishForm({
@@ -732,7 +738,11 @@ const screenshotGuides: Record<string, string> = {
             {{ saleRatioRangeText
             }}{{ isDistribution ? '。' : '，比例越高出租速度越快，自行选择。' }}
           </p>
-          <div v-if="!isDistribution" class="ratio-mode-grid">
+          <div
+            v-if="!isDistribution"
+            class="ratio-mode-grid"
+            :class="{ 'has-quality-owner': isQualityOwner && qualityOwnerRatioDiscount > 0 }"
+          >
             <button
               type="button"
               class="ratio-mode-btn"
@@ -749,18 +759,36 @@ const screenshotGuides: Record<string, string> = {
                 }}
               </span>
             </button>
+            <button
+              v-if="isQualityOwner && qualityOwnerRatioDiscount > 0"
+              type="button"
+              class="ratio-mode-btn ratio-mode-btn--quality"
+              :class="{ active: qualityOwnerSaleRatioSelected }"
+              :disabled="qualityOwnerSaleRatio <= 0"
+              @click="useQualityOwnerSaleRatio"
+            >
+              <em>优质号主专享</em>
+              <strong>基础比例 - {{ formatNumber(qualityOwnerRatioDiscount) }}</strong>
+              <span>
+                {{
+                  qualityOwnerSaleRatio > 0
+                    ? `默认 1元=${formatNumber(qualityOwnerSaleRatio)}万`
+                    : '自动计算'
+                }}
+              </span>
+            </button>
             <button
               type="button"
               class="ratio-mode-btn"
-              :class="{ active: hasAcceleratedSaleRatioInput() }"
+              :class="{ active: Number(form.accelerated_sale_ratio) === maxAcceleratedSaleRatio }"
               :disabled="maxAcceleratedSaleRatio <= 0"
               @click="useMaxAcceleratedSaleRatio"
             >
-              <strong>加速比例</strong>
+              <strong>最高比例</strong>
               <span>
                 {{
                   maxAcceleratedSaleRatio > 0
-                    ? `1元=${formatNumber(calculatedDefaultSaleRatio)}~${formatNumber(maxAcceleratedSaleRatio)}万`
+                    ? `1元=${formatNumber(maxAcceleratedSaleRatio)}万`
                     : '自动计算'
                 }}
               </span>
@@ -770,13 +798,14 @@ const screenshotGuides: Record<string, string> = {
             :model-value="form.accelerated_sale_ratio"
             label="自定比例"
             type="number"
+            :min="minAcceleratedSaleRatio || 0"
             :placeholder="acceleratedSaleRatioPlaceholder"
             class="publish-field ratio-input-field"
             @update:model-value="handleAcceleratedSaleRatioInput"
             @blur="clampAcceleratedSaleRatioInput"
           />
           <p class="field-hint ratio-input-hint">
-            留空使用参考比例；填写后范围为参考比例到参考比例+10，请根据实际需求合理设置。
+            留空使用参考比例；优质号主可按后台配置下调基础比例。
           </p>
         </div>
         <div class="result-grid">
@@ -824,21 +853,46 @@ const screenshotGuides: Record<string, string> = {
         </div>
         <p class="price-breakdown-hint">卖家价格 = 纯币基础价 + 额外消耗品。</p>
 
-        <div class="premium-coverage-card">
+        <div
+          class="premium-coverage-card"
+          :class="{
+            'is-quality-owner': isQualityOwner,
+            'is-premium-active': form.is_premium,
+          }"
+        >
           <div class="premium-zone-row">
-            <div>
+            <div class="premium-zone-copy">
-              <strong>极品专区</strong>
+              <div class="premium-zone-title">
+                <strong>极品专区</strong>
+                <em v-if="isQualityOwner">优质号主已认证</em>
+                <em v-else class="is-locked">优质号主专享</em>
+              </div>
               <span>
                 {{
                   isQualityOwner
-                    ? '优质号主专享曝光专区'
+                    ? '发布后获得首页极品专区曝光'
-                    : `保证金 ¥${formatMoney(
+                    : `缴纳 ¥${formatMoney(
                         (qualityOwnerStatus?.required_deposit_cent || 20000) / 100
-                      )}`
+                      )} 保证金后可开通`
                 }}
               </span>
             </div>
-            <van-switch v-model="form.is_premium" :disabled="!isQualityOwner" size="22px" />
+            <div class="premium-zone-action" :class="{ 'is-active': form.is_premium }">
+              <span>{{
+                isQualityOwnerExclusiveRatioActive
+                  ? '专享比例已关联专区'
+                  : form.is_premium
+                    ? '已开启极品专区'
+                    : isQualityOwner
+                      ? '开启极品专区'
+                      : '开通后可发布'
+              }}</span>
+              <van-switch
+                v-model="form.is_premium"
+                :disabled="!isQualityOwner || isQualityOwnerExclusiveRatioActive"
+                size="22px"
+              />
+            </div>
           </div>
           <button
             v-if="!isQualityOwner"
@@ -846,7 +900,8 @@ const screenshotGuides: Record<string, string> = {
             class="quality-owner-link"
             @click="router.push('/m/profile')"
           >
-            前往个人中心开通优质号主
+            <span>前往个人中心开通优质号主</span>
+            <van-icon name="arrow" />
           </button>
 
           <div class="coverage-heading">
@@ -860,7 +915,10 @@ const screenshotGuides: Record<string, string> = {
               :class="{ active: form.compensation_plan === 'normal' }"
               @click="form.compensation_plan = 'normal'"
             >
-              <strong>普通赔付</strong>
+              <span class="coverage-option-top">
+                <strong>普通赔付</strong>
+                <em class="coverage-rate">0%</em>
+              </span>
               <span>租金 + 押金规则赔付</span>
             </button>
             <button
@@ -869,13 +927,18 @@ const screenshotGuides: Record<string, string> = {
               :class="{ active: form.compensation_plan === 'insurance' }"
               @click="form.compensation_plan = 'insurance'"
             >
-              <strong>无忧租号保险</strong>
+              <span class="coverage-option-top">
-              <span>服务费 {{ insuranceFeePercent.toFixed(1) }}%</span>
+                <strong>无忧租号保险</strong>
-              <em v-if="isQualityOwner && form.is_premium">极品专享费率</em>
+                <em class="coverage-rate is-insurance"> {{ insuranceFeePercent.toFixed(1) }}% </em>
+              </span>
+              <span>额外保障账号市场价值</span>
+              <em v-if="isQualityOwner && form.is_premium" class="coverage-special-rate">
+                已享极品专区专享费率
+              </em>
             </button>
           </div>
           <p class="coverage-note">
-            无忧租号保险在普通赔付基础上额外保障账号市场价值；选择后按号主实际到手租金扣除服务费。
+            无忧租号保险在普通赔付基础上增加账号市场价值保障，服务费按实际到手租金扣除。
           </p>
         </div>
 

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

@@ -705,7 +705,7 @@
 
 .ratio-mode-grid {
   display: grid;
-  grid-template-columns: repeat(3, minmax(0, 1fr));
+  grid-template-columns: repeat(2, minmax(0, 1fr));
   gap: 10px;
 }
 
@@ -727,6 +727,50 @@
   font-size: 12px;
 }
 
+.ratio-mode-btn em {
+  width: max-content;
+  padding: 3px 7px;
+  border-radius: 10px;
+  background: #fff3d6;
+  color: #9a6700;
+  font-size: 10px;
+  font-style: normal;
+  font-weight: 900;
+  letter-spacing: 0;
+}
+
+.ratio-mode-btn--quality {
+  position: relative;
+  overflow: hidden;
+  border-color: #dfc98c;
+  background: linear-gradient(135deg, #fffaf0 0%, #f8f3ff 100%);
+}
+
+.ratio-mode-btn--quality strong {
+  color: #7a4b0d;
+}
+
+.ratio-mode-btn--quality > * {
+  position: relative;
+  z-index: 1;
+}
+
+.ratio-mode-btn--quality.active {
+  border-color: #b7791f;
+  background: linear-gradient(135deg, #fff4d8 0%, #f5edff 100%);
+  color: #7a4b0d;
+  box-shadow: 0 0 0 2px rgba(183, 121, 31, 0.12);
+}
+
+.ratio-mode-btn--quality.active em {
+  background: #b7791f;
+  color: #fff;
+}
+
+.ratio-mode-btn--quality.active span {
+  color: #7a4b0d;
+}
+
 .ratio-custom-card {
   display: flex;
   flex-direction: column;
@@ -1022,6 +1066,16 @@
   background: #f8fafc;
 }
 
+.premium-coverage-panel.is-quality-owner {
+  border-color: #e6d7b5;
+  background: linear-gradient(145deg, #fffdf8 0%, #faf8ff 100%);
+}
+
+.premium-coverage-panel.is-premium-active {
+  border-color: #d4ad5e;
+  box-shadow: 0 10px 28px rgba(139, 92, 20, 0.08);
+}
+
 .premium-zone-row,
 .coverage-heading {
   display: flex;
@@ -1035,6 +1089,33 @@
   min-width: 0;
 }
 
+.premium-zone-copy {
+  display: grid;
+  gap: 5px;
+}
+
+.premium-zone-title {
+  display: flex;
+  align-items: center;
+  flex-wrap: wrap;
+  gap: 8px;
+}
+
+.premium-zone-title em {
+  padding: 3px 8px;
+  border-radius: 10px;
+  background: #fff3d6;
+  color: #8b5a0d;
+  font-size: 10px;
+  font-style: normal;
+  font-weight: 900;
+}
+
+.premium-zone-title em.is-locked {
+  background: #f1f3f6;
+  color: #7b8492;
+}
+
 .premium-zone-row strong,
 .coverage-heading strong {
   display: block;
@@ -1051,17 +1132,52 @@
   line-height: 1.5;
 }
 
-.quality-owner-link {
+.premium-zone-action {
-  justify-self: start;
+  display: flex;
-  padding: 0;
+  align-items: center;
-  border: none;
+  flex-shrink: 0;
-  background: transparent;
+  gap: 9px;
-  color: #7c3aed;
+}
-  font-size: 12px;
+
+.premium-zone-action > span {
   font-weight: 800;
+}
+
+.premium-zone-action.is-active > span {
+  color: #6d35c7;
+}
+
+.premium-zone-action :deep(.el-switch.is-checked .el-switch__core) {
+  border-color: #7c3aed;
+  background: #7c3aed;
+  box-shadow: 0 0 0 2px rgba(124, 58, 237, 0.1);
+}
+
+.premium-zone-action :deep(.el-switch.is-disabled) {
+  opacity: 0.78;
+}
+
+.quality-owner-link {
+  display: inline-flex;
+  align-items: center;
+  justify-self: start;
+  gap: 4px;
+  min-height: 30px;
+  padding: 0 10px;
+  border: 1px solid #ddd0f2;
+  border-radius: 15px;
+  background: #faf5ff;
+  color: #6d35c7;
+  font-size: 12px;
+  font-weight: 900;
   cursor: pointer;
 }
 
+.quality-owner-link:hover {
+  border-color: #c7acdf;
+  background: #f4ebff;
+}
+
 .coverage-option-grid {
   display: grid;
   grid-template-columns: repeat(2, minmax(0, 1fr));
@@ -1086,6 +1202,33 @@
   font-weight: 900;
 }
 
+.coverage-option > .coverage-option-top {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 10px;
+  color: inherit;
+  font-size: inherit;
+  font-weight: inherit;
+  line-height: normal;
+}
+
+.coverage-option .coverage-rate {
+  flex-shrink: 0;
+  padding: 3px 8px;
+  border-radius: 10px;
+  background: #f0f2f5;
+  color: #505a68;
+  font-size: 12px;
+  font-style: normal;
+  font-weight: 900;
+}
+
+.coverage-option .coverage-rate.is-insurance {
+  background: #f3ebff;
+  color: #6d35c7;
+}
+
 .coverage-option span {
   color: #6b7280;
   font-size: 12px;
@@ -1100,6 +1243,13 @@
   font-weight: 800;
 }
 
+.coverage-option .coverage-special-rate {
+  width: max-content;
+  padding: 3px 7px;
+  border-radius: 9px;
+  background: #f3ebff;
+}
+
 .coverage-option.active {
   border-color: #7c3aed;
   background: #faf5ff;

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

@@ -1,5 +1,6 @@
 <script setup lang="ts">
 import {
+  ArrowRight,
   Delete,
   DocumentChecked,
   Picture,
@@ -25,7 +26,12 @@ const {
   router,
   publishAgreements,
   isQualityOwner,
+  isQualityOwnerExclusiveRatioActive,
+  qualityOwnerSaleRatioSelected,
   qualityOwnerStatus,
+  qualityOwnerRatioDiscount,
+  qualityOwnerSaleRatio,
+  minAcceleratedSaleRatio,
   insuranceFeePercent,
   virtualAssetSaleAgreementChecked,
   sellerAgreementChecked,
@@ -101,6 +107,7 @@ const {
   clampAcceleratedSaleRatioInput,
   useReferenceSaleRatio,
   useMaxAcceleratedSaleRatio,
+  useQualityOwnerSaleRatio,
   handleSubmit,
   isScreenshotRequired,
 } = usePublishForm({
@@ -595,6 +602,22 @@ function selectDailyLoss(value: string | number) {
                     : '自动计算'
                 }}</span>
               </button>
+              <button
+                v-if="isQualityOwner && qualityOwnerRatioDiscount > 0"
+                type="button"
+                class="ratio-mode-btn ratio-mode-btn--quality"
+                :class="{ active: qualityOwnerSaleRatioSelected }"
+                :disabled="qualityOwnerSaleRatio <= 0"
+                @click="useQualityOwnerSaleRatio"
+              >
+                <em>优质号主专享</em>
+                <strong>基础比例 - {{ formatNumber(qualityOwnerRatioDiscount) }}</strong>
+                <span>{{
+                  qualityOwnerSaleRatio > 0
+                    ? `默认 1元=${formatNumber(qualityOwnerSaleRatio)}万`
+                    : '自动计算'
+                }}</span>
+              </button>
               <button
                 type="button"
                 class="ratio-mode-btn"
@@ -618,13 +641,14 @@ function selectDailyLoss(value: string | number) {
                 :class="{
                   active:
                     hasAcceleratedSaleRatioInput() &&
-                    Number(form.accelerated_sale_ratio) !== maxAcceleratedSaleRatio,
+                    Number(form.accelerated_sale_ratio) !== maxAcceleratedSaleRatio &&
+                    !qualityOwnerSaleRatioSelected,
                 }"
               >
                 <strong>自定比例</strong>
                 <el-input-number
                   :model-value="form.accelerated_sale_ratio"
-                  :min="0"
+                  :min="minAcceleratedSaleRatio || 0"
                   :controls="false"
                   :placeholder="acceleratedSaleRatioPlaceholder"
                   @update:model-value="handleAcceleratedSaleRatioInput"
@@ -657,25 +681,45 @@ function selectDailyLoss(value: string | number) {
             </div>
           </div>
 
-          <div class="premium-coverage-panel">
+          <div
+            class="premium-coverage-panel"
+            :class="{
+              'is-quality-owner': isQualityOwner,
+              'is-premium-active': form.is_premium,
+            }"
+          >
             <div class="premium-zone-row">
-              <div>
+              <div class="premium-zone-copy">
-                <strong>极品专区</strong>
+                <div class="premium-zone-title">
+                  <strong>极品专区</strong>
+                  <em v-if="isQualityOwner">优质号主已认证</em>
+                  <em v-else class="is-locked">优质号主专享</em>
+                </div>
                 <span>
                   {{
                     isQualityOwner
-                      ? '优质号主专享曝光专区'
+                      ? '发布后进入首页极品专区，获得高端账号专属曝光'
                       : `缴纳 ¥${formatMoney(
                           (qualityOwnerStatus?.required_deposit_cent || 20000) / 100
                         )} 保证金后可开通优质号主`
                   }}
                 </span>
               </div>
-              <el-switch
+              <div class="premium-zone-action" :class="{ 'is-active': form.is_premium }">
-                v-model="form.is_premium"
+                <span>{{
-                :disabled="!isQualityOwner"
+                  isQualityOwnerExclusiveRatioActive
-                active-text="发布到极品专区"
+                    ? '专享比例已关联专区'
-              />
+                    : form.is_premium
+                      ? '已开启极品专区'
+                      : isQualityOwner
+                        ? '开启极品专区'
+                        : '开通后可发布'
+                }}</span>
+                <el-switch
+                  v-model="form.is_premium"
+                  :disabled="!isQualityOwner || isQualityOwnerExclusiveRatioActive"
+                />
+              </div>
             </div>
             <button
               v-if="!isQualityOwner"
@@ -683,7 +727,8 @@ function selectDailyLoss(value: string | number) {
               class="quality-owner-link"
               @click="router.push('/profile')"
             >
-              前往个人中心开通优质号主
+              <span>前往个人中心开通优质号主</span>
+              <el-icon><ArrowRight /></el-icon>
             </button>
 
             <div class="coverage-heading">
@@ -697,7 +742,10 @@ function selectDailyLoss(value: string | number) {
                 :class="{ active: form.compensation_plan === 'normal' }"
                 @click="form.compensation_plan = 'normal'"
               >
-                <strong>普通赔付</strong>
+                <span class="coverage-option-top">
+                  <strong>普通赔付</strong>
+                  <em class="coverage-rate">0%</em>
+                </span>
                 <span>按平台规则赔付租金与押金</span>
               </button>
               <button
@@ -706,13 +754,20 @@ function selectDailyLoss(value: string | number) {
                 :class="{ active: form.compensation_plan === 'insurance' }"
                 @click="form.compensation_plan = 'insurance'"
               >
-                <strong>无忧租号保险</strong>
+                <span class="coverage-option-top">
-                <span> 服务费 {{ insuranceFeePercent.toFixed(1) }}%，额外保障账号市场价值 </span>
+                  <strong>无忧租号保险</strong>
-                <em v-if="isQualityOwner && form.is_premium">极品专区专享费率</em>
+                  <em class="coverage-rate is-insurance">
+                    {{ 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>
+                <em v-if="isQualityOwner && form.is_premium" class="coverage-special-rate">
+                  已享极品专区专享费率
+                </em>
               </button>
             </div>
             <p class="coverage-note">
-              普通赔付：账号封禁、追回、洗号等情况最高赔付全额租金与押金。无忧租号保险：在普通赔付基础上，额外按账号市场价值赔付；选择后按实际到手租金扣除服务费。
+              普通赔付覆盖封禁、追回、洗号等情况；无忧租号保险在此基础上增加账号市场价值保障。
             </p>
           </div>
 

frontend/src/shared/composables/usePricingCalculator.ts

@@ -34,6 +34,7 @@ export function usePricingCalculator(options: {
   isDistribution?: Ref<boolean>
   receiveRatioDelta?: Ref<number>
   receiveCostDelta?: Ref<number>
+  isQualityOwner?: Ref<boolean>
 }) {
   const serverOptions = computed(() => options.publishOptions.value.server_options)
   const faceOptions = computed(() => options.publishOptions.value.face_options)
@@ -88,6 +89,24 @@ export function usePricingCalculator(options: {
   const maxAcceleratedSaleRatio = computed(() =>
     calculatedDefaultSaleRatio.value > 0 ? roundRatio(calculatedDefaultSaleRatio.value + 10) : 0
   )
+  const qualityOwnerRatioDiscount = computed(() =>
+    Math.min(
+      10,
+      Math.max(
+        0,
+        Number(options.publishOptions.value.ratio_config.quality_owner_ratio_discount ?? 1)
+      )
+    )
+  )
+  const minAcceleratedSaleRatio = computed(() => {
+    if (!options.isQualityOwner?.value || calculatedDefaultSaleRatio.value <= 0) {
+      return calculatedDefaultSaleRatio.value
+    }
+    return roundRatio(
+      Math.max(0.1, calculatedDefaultSaleRatio.value - qualityOwnerRatioDiscount.value)
+    )
+  })
+  const qualityOwnerSaleRatio = computed(() => minAcceleratedSaleRatio.value)
   const siteReceiveRatioDelta = computed(() =>
     Math.max(0, Number(options.receiveRatioDelta?.value || 0))
   )
@@ -104,7 +123,8 @@ export function usePricingCalculator(options: {
     return readFinalSaleRatio(
       calculatedDefaultSaleRatio.value,
       options.form.accelerated_sale_ratio,
-      maxAcceleratedSaleRatio.value
+      maxAcceleratedSaleRatio.value,
+      minAcceleratedSaleRatio.value
     )
   })
   const anchorRatio = computed(() => {
@@ -163,11 +183,16 @@ export function usePricingCalculator(options: {
     if (options.isDistribution?.value) {
       return `主站参考 1:${formatNumber(calculatedDefaultSaleRatio.value)}，本站收号 1:${formatNumber(calculatedRatio.value)}`
     }
+    if (options.isQualityOwner?.value) {
+      return `优质号主可设置 1:${formatNumber(minAcceleratedSaleRatio.value)} ~ 1:${formatNumber(maxAcceleratedSaleRatio.value)}`
+    }
     return `可设置 1:${formatNumber(calculatedDefaultSaleRatio.value)} ~ 1:${formatNumber(maxAcceleratedSaleRatio.value)}`
   })
   const acceleratedSaleRatioPlaceholder = computed(() => {
     if (calculatedDefaultSaleRatio.value <= 0) return '填写资料后自动生成可设置范围'
-    return `默认 ${formatNumber(calculatedDefaultSaleRatio.value)}，最高 ${formatNumber(maxAcceleratedSaleRatio.value)}`
+    return options.isQualityOwner?.value
+      ? `优质专享 ${formatNumber(minAcceleratedSaleRatio.value)} - 最高 ${formatNumber(maxAcceleratedSaleRatio.value)}`
+      : `默认 ${formatNumber(calculatedDefaultSaleRatio.value)}，最高 ${formatNumber(maxAcceleratedSaleRatio.value)}`
   })
   const recommendedDepositAmount = computed(() =>
     calculateRecommendedDeposit({
@@ -227,6 +252,9 @@ export function usePricingCalculator(options: {
     calculatedSellerReferenceRatio,
     calculatedDefaultSaleRatio,
     maxAcceleratedSaleRatio,
+    minAcceleratedSaleRatio,
+    qualityOwnerRatioDiscount,
+    qualityOwnerSaleRatio,
     siteReceiveRatioDelta,
     siteReceiveCostDelta,
     calculatedRatio,

frontend/src/shared/types/publish.ts

@@ -41,6 +41,7 @@ export interface PublishDraft {
   quantityModes: Record<QuantityKey, ChargeMode>
   screenshotFiles: Record<ScreenshotKey, string[]>
   selectedSkins: string[]
+  qualityOwnerRatioDefaultApplied?: boolean
 }
 
 export interface DepositBreakdownItem {

frontend/src/shared/utils/pricing.ts

@@ -150,13 +150,14 @@ export function calculateSellerReferenceRatio(options: {
 export function readFinalSaleRatio(
   defaultRatio: number,
   acceleratedSaleRatio: number | '',
-  maxAcceleratedSaleRatio: number
+  maxAcceleratedSaleRatio: number,
+  minAcceleratedSaleRatio = defaultRatio
 ) {
   if (defaultRatio <= 0) return 0
   if (!hasAcceleratedSaleRatioInput(acceleratedSaleRatio)) return defaultRatio
   const ratio = Number(acceleratedSaleRatio)
   if (!Number.isFinite(ratio) || ratio <= 0) return defaultRatio
-  return roundRatio(Math.min(Math.max(ratio, defaultRatio), maxAcceleratedSaleRatio))
+  return roundRatio(Math.min(Math.max(ratio, minAcceleratedSaleRatio), maxAcceleratedSaleRatio))
 }
 
 export function applySiteReceiveRatioDelta(referenceRatio: number, delta: number) {