实现租客成长等级并优化展示

backend/internal/database/test_helper.go

@@ -51,6 +51,7 @@ func MigrateRentalTransactionTestSchema(db *gorm.DB) error {
 	}
 	return db.AutoMigrate(
 		&model.RentalOrder{},
+		&model.SystemConfig{},
 		&model.PaymentOrder{},
 		&model.Notification{},
 		&model.AdminNotification{},
@@ -58,6 +59,7 @@ func MigrateRentalTransactionTestSchema(db *gorm.DB) error {
 		&model.OrderCheckout{},
 		&model.WalletAccount{},
 		&model.WalletLedger{},
+		&model.RenterGrowthLedger{},
 		&model.AuditLog{},
 		&model.ChatConversation{},
 		&model.ChatParticipant{},

backend/internal/model/order.go

@@ -22,6 +22,13 @@ type RentalOrder struct {
 	DepositOriginalAmountCent   int64          `gorm:"not null;default:0" json:"-"`
 	DepositWaivedAmountCent     int64          `gorm:"not null;default:0" json:"-"`
 	PlatformFeeCent             int64          `gorm:"not null;default:0" json:"-"`
+	RentOriginalAmountCent      int64          `gorm:"not null;default:0" json:"-"`
+	RentDiscountAmountCent      int64          `gorm:"not null;default:0" json:"-"`
+	RenterGrowthLevel           string         `gorm:"size:32;not null;default:'normal'" json:"renter_growth_level"`
+	RenterGrowthLevelName       string         `gorm:"size:32;not null;default:'普通'" json:"renter_growth_level_name"`
+	RenterDiscountBps           int            `gorm:"not null;default:10000" json:"renter_discount_bps"`
+	GrowthPointsAwarded         int64          `gorm:"not null;default:0" json:"growth_points_awarded"`
+	GrowthPointsAwardedAt       *time.Time     `json:"growth_points_awarded_at"`
 	AccountSnapshot             datatypes.JSON `json:"account_snapshot"`
 	Status                      string         `gorm:"size:32;not null;default:'pending_payment'" json:"status"`
 	HandoffStatus               string         `gorm:"size:32;not null;default:'none'" json:"handoff_status"`

backend/internal/model/renter_growth.go

@@ -0,0 +1,22 @@
+package model
+
+import "time"
+
+// RenterGrowthLedger 记录租客成长积分变动流水，便于排查订单完成后的积分发放。
+type RenterGrowthLedger struct {
+	ID           uint64    `gorm:"primaryKey" json:"id"`
+	UserID       uint64    `gorm:"not null;index" json:"user_id"`
+	OrderID      uint64    `gorm:"not null;default:0;index;uniqueIndex:uk_renter_growth_order_source,priority:1" json:"order_id"`
+	Points       int64     `gorm:"not null;default:0" json:"points"`
+	BeforePoints int64     `gorm:"not null;default:0" json:"before_points"`
+	AfterPoints  int64     `gorm:"not null;default:0" json:"after_points"`
+	BeforeLevel  string    `gorm:"size:32;not null;default:'normal'" json:"before_level"`
+	AfterLevel   string    `gorm:"size:32;not null;default:'normal'" json:"after_level"`
+	Source       string    `gorm:"size:32;not null;default:'order_completed';uniqueIndex:uk_renter_growth_order_source,priority:2" json:"source"`
+	Remark       string    `gorm:"size:255;not null;default:''" json:"remark"`
+	CreatedAt    time.Time `json:"created_at"`
+}
+
+func (RenterGrowthLedger) TableName() string {
+	return "renter_growth_ledger"
+}

backend/internal/model/user.go

@@ -12,6 +12,8 @@ type User struct {
 	RiskStatus           string     `gorm:"size:32;not null;default:'normal'" json:"risk_status"`
 	CreditScore          int        `gorm:"not null;default:100" json:"credit_score"`
 	DepositFreeQuotaCent int64      `gorm:"not null;default:0" json:"-"`
+	RenterGrowthPoints   int64      `gorm:"not null;default:0;index:idx_users_renter_growth_level,priority:2" json:"renter_growth_points"`
+	RenterGrowthLevel    string     `gorm:"size:32;not null;default:'normal';index:idx_users_renter_growth_level,priority:1" json:"renter_growth_level"`
 	Status               string     `gorm:"size:32;not null;default:'active'" json:"status"`
 	LastLoginAt          *time.Time `json:"last_login_at"`
 	CreatedAt            time.Time  `json:"created_at"`

backend/internal/modules/adminuser/dto.go

@@ -12,6 +12,9 @@ type UserDTO struct {
 	DepositFreeQuotaCent     int64      `json:"deposit_free_quota_cent"`
 	DepositFreeUsedCent      int64      `json:"deposit_free_used_cent"`
 	DepositFreeRemainingCent int64      `json:"deposit_free_remaining_cent"`
+	RenterGrowthPoints       int64      `json:"renter_growth_points"`
+	RenterGrowthLevel        string     `json:"renter_growth_level"`
+	RenterGrowthLevelName    string     `json:"renter_growth_level_name"`
 	AvailableBalanceCent     int64      `json:"available_balance_cent"`
 	FrozenBalanceCent        int64      `json:"frozen_balance_cent"`
 	Status                   string     `json:"status"`

backend/internal/modules/adminuser/repository.go

@@ -10,6 +10,7 @@ import (
 
 	"hfb_sys/backend/internal/auditlog"
 	"hfb_sys/backend/internal/model"
+	"hfb_sys/backend/internal/modules/rentergrowth"
 	"hfb_sys/backend/internal/modules/wallet"
 	"hfb_sys/backend/pkg/crypto"
 
@@ -355,17 +356,17 @@ func (r *Repository) AdjustWallet(ctx context.Context, adminID uint64, userID ui
 		}
 
 		return appendAuditLog(tx, adminID, "admin_user.wallet_adjust", user.ID, meta, map[string]any{
-			"user_id":                 user.ID,
-			"direction":               direction,
-			"amount_cent":             amountCent,
-			"before_available_cent":   beforeAvailable,
-			"after_available_cent":    account.AvailableBalanceCent,
-			"before_frozen_cent":      beforeFrozen,
-			"after_frozen_cent":       account.FrozenBalanceCent,
-			"reason":                  reason,
-			"reference_no":            referenceNo,
-			"biz_type":                bizType,
-			"biz_no":                  bizNo,
+			"user_id":               user.ID,
+			"direction":             direction,
+			"amount_cent":           amountCent,
+			"before_available_cent": beforeAvailable,
+			"after_available_cent":  account.AvailableBalanceCent,
+			"before_frozen_cent":    beforeFrozen,
+			"after_frozen_cent":     account.FrozenBalanceCent,
+			"reason":                reason,
+			"reference_no":          referenceNo,
+			"biz_type":              bizType,
+			"biz_no":                bizNo,
 		})
 	})
 	if err != nil {
@@ -399,6 +400,9 @@ func (row userRow) toDTO() UserDTO {
 		DepositFreeQuotaCent:     row.DepositFreeQuotaCent,
 		DepositFreeUsedCent:      row.DepositFreeUsedCent,
 		DepositFreeRemainingCent: remaining,
+		RenterGrowthPoints:       row.RenterGrowthPoints,
+		RenterGrowthLevel:        effectiveRenterGrowthLevel(row.User),
+		RenterGrowthLevelName:    renterGrowthLevelName(row.RenterGrowthLevel),
 		AvailableBalanceCent:     row.AvailableBalanceCent,
 		FrozenBalanceCent:        row.FrozenBalanceCent,
 		Status:                   row.Status,
@@ -411,6 +415,26 @@ func (row userRow) toDTO() UserDTO {
 	}
 }
 
+func effectiveRenterGrowthLevel(user model.User) string {
+	if user.RenterGrowthLevel != "" {
+		return user.RenterGrowthLevel
+	}
+	return rentergrowth.DefaultLevelCode
+}
+
+func renterGrowthLevelName(code string) string {
+	switch code {
+	case "platinum":
+		return "铂金"
+	case "diamond":
+		return "钻石"
+	case "peak":
+		return "巅峰"
+	default:
+		return rentergrowth.DefaultLevelName
+	}
+}
+
 func depositFreeQuotaAmountCent(req DepositFreeQuotaRequest) int64 {
 	return req.AmountCent
 }

backend/internal/modules/dispute/arbitration.go

@@ -12,6 +12,7 @@ import (
 	"hfb_sys/backend/internal/model"
 	"hfb_sys/backend/internal/modules/adminnotification"
 	"hfb_sys/backend/internal/modules/notification"
+	"hfb_sys/backend/internal/modules/rentergrowth"
 	"hfb_sys/backend/internal/modules/wallet"
 	"hfb_sys/backend/pkg/money"
 
@@ -110,6 +111,11 @@ func (r *Repository) Arbitrate(ctx context.Context, adminID uint64, id uint64, r
 		if err := tx.Save(&row).Error; err != nil {
 			return err
 		}
+		if order.Status == "completed" {
+			if err := rentergrowth.AwardOrderCompleted(tx, &order, arbitrationActualRentCent(order, settlement), rentergrowth.SourceOrderCompleted); err != nil {
+				return err
+			}
+		}
 		if err := tx.Save(&order).Error; err != nil {
 			return err
 		}
@@ -194,6 +200,21 @@ func (r *Repository) Arbitrate(ctx context.Context, adminID uint64, id uint64, r
 	return &dto, nil
 }
 
+func arbitrationActualRentCent(order model.RentalOrder, settlement arbitrationSettlement) int64 {
+	rentRefundCent := settlement.RenterRefundAmountCent - settlement.RenterDepositRefundCent
+	if rentRefundCent < 0 {
+		rentRefundCent = 0
+	}
+	if rentRefundCent > order.RentAmountCent {
+		rentRefundCent = order.RentAmountCent
+	}
+	actualRentCent := order.RentAmountCent - rentRefundCent
+	if actualRentCent < 0 {
+		return 0
+	}
+	return actualRentCent
+}
+
 func isPlatformManagedOrder(order model.RentalOrder) bool {
 	return order.SettlementMode == "platform_managed" || order.HandoffMode == "platform"
 }

backend/internal/modules/order/checkout_finalize.go

@@ -5,6 +5,7 @@ import (
 
 	"hfb_sys/backend/internal/model"
 	"hfb_sys/backend/internal/modules/notification"
+	"hfb_sys/backend/internal/modules/rentergrowth"
 	"hfb_sys/backend/internal/modules/wallet"
 
 	"gorm.io/gorm"
@@ -42,6 +43,9 @@ func (r *Repository) finalizeCheckout(tx *gorm.DB, order *model.RentalOrder, che
 	if err := appendCheckoutCompletedNotifications(tx, order, renterContent); err != nil {
 		return nil, err
 	}
+	if err := rentergrowth.AwardOrderCompleted(tx, order, settlement.ActualRentAmountCent, rentergrowth.SourceOrderCompleted); err != nil {
+		return nil, err
+	}
 	if err := saveFinalizedCheckout(tx, order, checkout, listing, account); err != nil {
 		return nil, err
 	}

backend/internal/modules/order/dto.go

@@ -32,6 +32,13 @@ type OrderDTO struct {
 	DepositOriginalAmountCent   int64             `json:"deposit_original_amount_cent"`
 	DepositWaivedAmountCent     int64             `json:"deposit_waived_amount_cent"`
 	PlatformFeeCent             *int64            `json:"platform_fee_cent,omitempty"`
+	RentOriginalAmountCent      int64             `json:"rent_original_amount_cent,omitempty"`
+	RentDiscountAmountCent      int64             `json:"rent_discount_amount_cent,omitempty"`
+	RenterGrowthLevel           string            `json:"renter_growth_level,omitempty"`
+	RenterGrowthLevelName       string            `json:"renter_growth_level_name,omitempty"`
+	RenterDiscountBps           int               `json:"renter_discount_bps,omitempty"`
+	GrowthPointsAwarded         int64             `json:"growth_points_awarded,omitempty"`
+	GrowthPointsAwardedAt       *time.Time        `json:"growth_points_awarded_at,omitempty"`
 	AccountSnapshot             datatypes.JSON    `json:"account_snapshot"`
 	Status                      string            `json:"status"`
 	HandoffStatus               string            `json:"handoff_status"`

backend/internal/modules/order/lifecycle.go

@@ -8,6 +8,7 @@ import (
 	"hfb_sys/backend/internal/model"
 	"hfb_sys/backend/internal/modules/chat"
 	"hfb_sys/backend/internal/modules/notification"
+	"hfb_sys/backend/internal/modules/rentergrowth"
 
 	"gorm.io/datatypes"
 	"gorm.io/gorm"
@@ -42,6 +43,16 @@ func (r *Repository) Create(ctx context.Context, renterID uint64, req CreateRequ
 		}
 		rentHours := estimateOrderDurationHours(snapshot)
 		pricing := buildOrderPricing(listing, account)
+		rentOriginalAmountCent := pricing.RentAmountCent
+		growthSnapshot, err := rentergrowth.SnapshotForUser(tx, renterID)
+		if err != nil {
+			return err
+		}
+		rentDiscountAmountCent := rentergrowth.CalculateDiscountCent(rentOriginalAmountCent, pricing.PlatformFeeCent, growthSnapshot.DiscountBps)
+		if rentDiscountAmountCent > 0 {
+			pricing.PlatformFeeCent -= rentDiscountAmountCent
+			pricing.RentAmountCent -= rentDiscountAmountCent
+		}
 		depositOriginalAmountCent := listing.DepositAmountCent
 		paidDepositAmountCent, waivedDepositAmountCent, err := r.depositAmountsForOrder(tx, renterID, depositOriginalAmountCent)
 		if err != nil {
@@ -60,6 +71,11 @@ func (r *Repository) Create(ctx context.Context, renterID uint64, req CreateRequ
 			DepositOriginalAmountCent: depositOriginalAmountCent,
 			DepositWaivedAmountCent:   waivedDepositAmountCent,
 			PlatformFeeCent:           pricing.PlatformFeeCent,
+			RentOriginalAmountCent:    rentOriginalAmountCent,
+			RentDiscountAmountCent:    rentDiscountAmountCent,
+			RenterGrowthLevel:         growthSnapshot.LevelCode,
+			RenterGrowthLevelName:     growthSnapshot.LevelName,
+			RenterDiscountBps:         growthSnapshot.DiscountBps,
 			AccountSnapshot:           snapshot,
 			Status:                    orderStatusPendingPayment,
 			HandoffStatus:             handoffStatusNone,

backend/internal/modules/order/presenter.go

@@ -82,6 +82,13 @@ func (row orderRow) toAdminDTO() OrderDTO {
 		DepositOriginalAmountCent:   effectiveDepositOriginalAmountCent(row.RentalOrder),
 		DepositWaivedAmountCent:     row.DepositWaivedAmountCent,
 		PlatformFeeCent:             &platformFeeCent,
+		RentOriginalAmountCent:      effectiveRentOriginalAmountCent(row.RentalOrder),
+		RentDiscountAmountCent:      row.RentDiscountAmountCent,
+		RenterGrowthLevel:           effectiveRenterGrowthLevel(row.RentalOrder),
+		RenterGrowthLevelName:       effectiveRenterGrowthLevelName(row.RentalOrder),
+		RenterDiscountBps:           effectiveRenterDiscountBps(row.RentalOrder),
+		GrowthPointsAwarded:         row.GrowthPointsAwarded,
+		GrowthPointsAwardedAt:       row.GrowthPointsAwardedAt,
 		AccountSnapshot:             row.AccountSnapshot,
 		Status:                      row.Status,
 		HandoffStatus:               row.HandoffStatus,
@@ -154,6 +161,34 @@ func effectiveDepositOriginalAmountCent(order model.RentalOrder) int64 {
 	return order.DepositAmountCent
 }
 
+func effectiveRentOriginalAmountCent(order model.RentalOrder) int64 {
+	if order.RentOriginalAmountCent > 0 {
+		return order.RentOriginalAmountCent
+	}
+	return order.RentAmountCent + order.RentDiscountAmountCent
+}
+
+func effectiveRenterGrowthLevel(order model.RentalOrder) string {
+	if order.RenterGrowthLevel != "" {
+		return order.RenterGrowthLevel
+	}
+	return "normal"
+}
+
+func effectiveRenterGrowthLevelName(order model.RentalOrder) string {
+	if order.RenterGrowthLevelName != "" {
+		return order.RenterGrowthLevelName
+	}
+	return "普通"
+}
+
+func effectiveRenterDiscountBps(order model.RentalOrder) int {
+	if order.RenterDiscountBps > 0 {
+		return order.RenterDiscountBps
+	}
+	return 10000
+}
+
 func toCheckoutAdminDTO(checkout model.OrderCheckout) CheckoutDTO {
 	rentAmountCent := checkout.RentAmountCent
 	ownerRentAmountCent := checkout.OwnerRentAmountCent
@@ -275,6 +310,13 @@ func applyOrderPriceView(dto *OrderDTO, order model.RentalOrder, userID uint64)
 		dto.DisplayAmountCent = ownerAmountCent
 		dto.RentAmountCent = nil
 		dto.OwnerRentAmountCent = &ownerAmountCent
+		dto.RentOriginalAmountCent = 0
+		dto.RentDiscountAmountCent = 0
+		dto.RenterGrowthLevel = ""
+		dto.RenterGrowthLevelName = ""
+		dto.RenterDiscountBps = 0
+		dto.GrowthPointsAwarded = 0
+		dto.GrowthPointsAwardedAt = nil
 		sanitizeOrderSnapshot(&dto.AccountSnapshot, "owner")
 	case userID == order.RenterID:
 		rentAmountCent := order.RentAmountCent
@@ -282,12 +324,24 @@ func applyOrderPriceView(dto *OrderDTO, order model.RentalOrder, userID uint64)
 		dto.DisplayAmountCent = rentAmountCent
 		dto.RentAmountCent = &rentAmountCent
 		dto.OwnerRentAmountCent = nil
+		dto.RentOriginalAmountCent = effectiveRentOriginalAmountCent(order)
+		dto.RentDiscountAmountCent = order.RentDiscountAmountCent
+		dto.RenterGrowthLevel = effectiveRenterGrowthLevel(order)
+		dto.RenterGrowthLevelName = effectiveRenterGrowthLevelName(order)
+		dto.RenterDiscountBps = effectiveRenterDiscountBps(order)
 		sanitizeOrderSnapshot(&dto.AccountSnapshot, "renter")
 	default:
 		dto.PriceRole = ""
 		dto.DisplayAmountCent = 0
 		dto.RentAmountCent = nil
 		dto.OwnerRentAmountCent = nil
+		dto.RentOriginalAmountCent = 0
+		dto.RentDiscountAmountCent = 0
+		dto.RenterGrowthLevel = ""
+		dto.RenterGrowthLevelName = ""
+		dto.RenterDiscountBps = 0
+		dto.GrowthPointsAwarded = 0
+		dto.GrowthPointsAwardedAt = nil
 		sanitizeOrderSnapshot(&dto.AccountSnapshot, "")
 	}
 }

backend/internal/modules/order/repository_integration_test.go

@@ -140,6 +140,65 @@ func TestRepositoryCreateOrderRejectsOwnListing(t *testing.T) {
 	}
 }
 
+func TestRepositoryCreateAppliesRenterGrowthDiscount(t *testing.T) {
+	db := setupOrderTestDB(t)
+	repo := NewRepository(db)
+
+	owner := model.User{Phone: "13800001101"}
+	renter := model.User{
+		Phone:              "13800001102",
+		RenterGrowthPoints: 300,
+		RenterGrowthLevel:  "platinum",
+	}
+	if err := db.Create(&owner).Error; err != nil {
+		t.Fatalf("create owner failed: %v", err)
+	}
+	if err := db.Create(&renter).Error; err != nil {
+		t.Fatalf("create renter failed: %v", err)
+	}
+	account := model.GameAccount{
+		OwnerID:       owner.ID,
+		ServerRegion:  "国服",
+		LoginPlatform: "steam",
+		Title:         "测试账号",
+		AssetSummary:  datatypes.JSON([]byte(`{"price_breakdown":{"seller_total_price":90,"platform_markup_amount":10}}`)),
+	}
+	if err := db.Create(&account).Error; err != nil {
+		t.Fatalf("create account failed: %v", err)
+	}
+	listing := model.RentalListing{
+		AccountID:    account.ID,
+		OwnerID:      owner.ID,
+		PriceCent:    10000,
+		Status:       listingStatusPublished,
+		ReviewStatus: listingReviewStatusApproved,
+	}
+	if err := db.Create(&listing).Error; err != nil {
+		t.Fatalf("create listing failed: %v", err)
+	}
+
+	dto, err := repo.Create(t.Context(), renter.ID, CreateRequest{ListingID: listing.ID})
+	if err != nil {
+		t.Fatalf("Create() error = %v", err)
+	}
+	if dto.RentAmountCent == nil || *dto.RentAmountCent != 9900 {
+		t.Fatalf("rent amount = %v, want 9900", dto.RentAmountCent)
+	}
+	if dto.RentOriginalAmountCent != 10000 || dto.RentDiscountAmountCent != 100 {
+		t.Fatalf("discount snapshot = original %d discount %d, want 10000/100", dto.RentOriginalAmountCent, dto.RentDiscountAmountCent)
+	}
+	if dto.RenterGrowthLevel != "platinum" || dto.RenterGrowthLevelName != "铂金" || dto.RenterDiscountBps != 9900 {
+		t.Fatalf("growth snapshot = %s/%s/%d, want platinum/铂金/9900", dto.RenterGrowthLevel, dto.RenterGrowthLevelName, dto.RenterDiscountBps)
+	}
+	var saved model.RentalOrder
+	if err := db.First(&saved, dto.ID).Error; err != nil {
+		t.Fatalf("find saved order failed: %v", err)
+	}
+	if saved.OwnerRentAmountCent != 9000 || saved.PlatformFeeCent != 900 {
+		t.Fatalf("pricing = owner %d platform %d, want 9000/900", saved.OwnerRentAmountCent, saved.PlatformFeeCent)
+	}
+}
+
 // TestBuildOrderPricing 测试订单定价计算
 func TestBuildOrderPricingBasic(t *testing.T) {
 	listing := model.RentalListing{

backend/internal/modules/rentergrowth/growth.go

@@ -0,0 +1,282 @@
+package rentergrowth
+
+import (
+	"encoding/json"
+	"errors"
+	"sort"
+	"strings"
+	"time"
+
+	"hfb_sys/backend/internal/model"
+
+	"gorm.io/gorm"
+	"gorm.io/gorm/clause"
+)
+
+const (
+	ConfigKey            = "renter.growth_level_rules"
+	DefaultLevelCode     = "normal"
+	DefaultLevelName     = "普通"
+	DefaultDiscountBps   = 10000
+	DefaultPointsPerYuan = 1
+	SourceOrderCompleted = "order_completed"
+)
+
+type Config struct {
+	Enabled       bool        `json:"enabled"`
+	PointsPerYuan int64       `json:"points_per_yuan"`
+	Levels        []LevelRule `json:"levels"`
+}
+
+type LevelRule struct {
+	Code        string `json:"code"`
+	Name        string `json:"name"`
+	MinPoints   int64  `json:"min_points"`
+	DiscountBps int    `json:"discount_bps"`
+}
+
+type DiscountSnapshot struct {
+	LevelCode   string
+	LevelName   string
+	DiscountBps int
+	UserPoints  int64
+}
+
+func DefaultConfig() Config {
+	return Config{
+		Enabled:       true,
+		PointsPerYuan: DefaultPointsPerYuan,
+		Levels: []LevelRule{
+			{Code: DefaultLevelCode, Name: DefaultLevelName, MinPoints: 0, DiscountBps: DefaultDiscountBps},
+			{Code: "platinum", Name: "铂金", MinPoints: 300, DiscountBps: 9900},
+			{Code: "diamond", Name: "钻石", MinPoints: 1000, DiscountBps: 9800},
+			{Code: "peak", Name: "巅峰", MinPoints: 5000, DiscountBps: 9500},
+		},
+	}
+}
+
+func DefaultConfigValue() string {
+	raw, err := json.Marshal(DefaultConfig())
+	if err != nil {
+		return `{"enabled":true,"points_per_yuan":1,"levels":[{"code":"normal","name":"普通","min_points":0,"discount_bps":10000}]}`
+	}
+	return string(raw)
+}
+
+func ConfigForTx(tx *gorm.DB) (Config, error) {
+	cfg := DefaultConfig()
+	if tx == nil {
+		return cfg, nil
+	}
+	var row model.SystemConfig
+	if err := tx.Where("`key` = ?", ConfigKey).First(&row).Error; err != nil {
+		if errors.Is(err, gorm.ErrRecordNotFound) || isMissingConfigTableError(err) {
+			return cfg, nil
+		}
+		return cfg, err
+	}
+	if strings.TrimSpace(row.Value) == "" {
+		return cfg, nil
+	}
+	if err := json.Unmarshal([]byte(row.Value), &cfg); err != nil {
+		return DefaultConfig(), nil
+	}
+	return normalizeConfig(cfg), nil
+}
+
+func SnapshotForUser(tx *gorm.DB, userID uint64) (DiscountSnapshot, error) {
+	snapshot := DiscountSnapshot{
+		LevelCode:   DefaultLevelCode,
+		LevelName:   DefaultLevelName,
+		DiscountBps: DefaultDiscountBps,
+	}
+	if tx == nil || userID == 0 {
+		return snapshot, nil
+	}
+	cfg, err := ConfigForTx(tx)
+	if err != nil {
+		return snapshot, err
+	}
+	if !cfg.Enabled {
+		return snapshot, nil
+	}
+	var user model.User
+	if err := tx.Clauses(clause.Locking{Strength: "UPDATE"}).First(&user, userID).Error; err != nil {
+		return snapshot, err
+	}
+	level := LevelForPoints(cfg, user.RenterGrowthPoints)
+	return DiscountSnapshot{
+		LevelCode:   level.Code,
+		LevelName:   level.Name,
+		DiscountBps: level.DiscountBps,
+		UserPoints:  user.RenterGrowthPoints,
+	}, nil
+}
+
+func CalculateDiscountCent(originalRentCent int64, platformFeeCent int64, discountBps int) int64 {
+	if originalRentCent <= 0 || platformFeeCent <= 0 {
+		return 0
+	}
+	if discountBps <= 0 || discountBps >= DefaultDiscountBps {
+		return 0
+	}
+	discountedRentCent := originalRentCent * int64(discountBps) / DefaultDiscountBps
+	discountCent := originalRentCent - discountedRentCent
+	if discountCent < 0 {
+		return 0
+	}
+	if discountCent > platformFeeCent {
+		return platformFeeCent
+	}
+	return discountCent
+}
+
+func AwardOrderCompleted(tx *gorm.DB, order *model.RentalOrder, actualRentCent int64, source string) error {
+	if tx == nil || order == nil || order.ID == 0 || order.RenterID == 0 {
+		return nil
+	}
+	if order.GrowthPointsAwarded > 0 || order.GrowthPointsAwardedAt != nil {
+		return nil
+	}
+	if strings.TrimSpace(source) == "" {
+		source = SourceOrderCompleted
+	}
+	var existing model.RenterGrowthLedger
+	err := tx.Where("order_id = ? AND source = ?", order.ID, source).First(&existing).Error
+	if err == nil {
+		order.GrowthPointsAwarded = existing.Points
+		if !existing.CreatedAt.IsZero() {
+			awardedAt := existing.CreatedAt
+			order.GrowthPointsAwardedAt = &awardedAt
+		}
+		return nil
+	}
+	if err != nil && !errors.Is(err, gorm.ErrRecordNotFound) {
+		return err
+	}
+
+	cfg, err := ConfigForTx(tx)
+	if err != nil {
+		return err
+	}
+	if !cfg.Enabled {
+		return nil
+	}
+	points := PointsForRent(actualRentCent, cfg.PointsPerYuan)
+	if points <= 0 {
+		return nil
+	}
+	var user model.User
+	if err := tx.Clauses(clause.Locking{Strength: "UPDATE"}).First(&user, order.RenterID).Error; err != nil {
+		return err
+	}
+	beforePoints := user.RenterGrowthPoints
+	beforeLevel := LevelForPoints(cfg, beforePoints)
+	afterPoints := beforePoints + points
+	afterLevel := LevelForPoints(cfg, afterPoints)
+	user.RenterGrowthPoints = afterPoints
+	user.RenterGrowthLevel = afterLevel.Code
+	if err := tx.Save(&user).Error; err != nil {
+		return err
+	}
+	now := time.Now()
+	ledger := model.RenterGrowthLedger{
+		UserID:       order.RenterID,
+		OrderID:      order.ID,
+		Points:       points,
+		BeforePoints: beforePoints,
+		AfterPoints:  afterPoints,
+		BeforeLevel:  beforeLevel.Code,
+		AfterLevel:   afterLevel.Code,
+		Source:       source,
+		Remark:       "租号订单完成发放成长积分",
+		CreatedAt:    now,
+	}
+	if err := tx.Create(&ledger).Error; err != nil {
+		return err
+	}
+	order.GrowthPointsAwarded = points
+	order.GrowthPointsAwardedAt = &now
+	return nil
+}
+
+func PointsForRent(actualRentCent int64, pointsPerYuan int64) int64 {
+	if actualRentCent <= 0 {
+		return 0
+	}
+	if pointsPerYuan <= 0 {
+		pointsPerYuan = DefaultPointsPerYuan
+	}
+	return (actualRentCent / 100) * pointsPerYuan
+}
+
+func LevelForPoints(cfg Config, points int64) LevelRule {
+	cfg = normalizeConfig(cfg)
+	if points < 0 {
+		points = 0
+	}
+	current := cfg.Levels[0]
+	for _, level := range cfg.Levels {
+		if points >= level.MinPoints {
+			current = level
+		}
+	}
+	return current
+}
+
+func normalizeConfig(cfg Config) Config {
+	defaultCfg := DefaultConfig()
+	if cfg.PointsPerYuan <= 0 {
+		cfg.PointsPerYuan = defaultCfg.PointsPerYuan
+	}
+	if len(cfg.Levels) == 0 {
+		cfg.Levels = defaultCfg.Levels
+	}
+	levels := make([]LevelRule, 0, len(cfg.Levels)+1)
+	hasNormal := false
+	for _, level := range cfg.Levels {
+		level.Code = strings.TrimSpace(level.Code)
+		level.Name = strings.TrimSpace(level.Name)
+		if level.Code == "" {
+			continue
+		}
+		if level.Name == "" {
+			level.Name = level.Code
+		}
+		if level.MinPoints < 0 {
+			level.MinPoints = 0
+		}
+		if level.DiscountBps <= 0 || level.DiscountBps > DefaultDiscountBps {
+			level.DiscountBps = DefaultDiscountBps
+		}
+		if level.Code == DefaultLevelCode {
+			hasNormal = true
+			level.Name = DefaultLevelName
+			level.MinPoints = 0
+		}
+		levels = append(levels, level)
+	}
+	if !hasNormal {
+		levels = append(levels, LevelRule{
+			Code:        DefaultLevelCode,
+			Name:        DefaultLevelName,
+			MinPoints:   0,
+			DiscountBps: DefaultDiscountBps,
+		})
+	}
+	sort.SliceStable(levels, func(i, j int) bool {
+		return levels[i].MinPoints < levels[j].MinPoints
+	})
+	cfg.Levels = levels
+	return cfg
+}
+
+func isMissingConfigTableError(err error) bool {
+	if err == nil {
+		return false
+	}
+	message := strings.ToLower(err.Error())
+	return strings.Contains(message, "no such table") ||
+		strings.Contains(message, "doesn't exist") ||
+		strings.Contains(message, "does not exist")
+}

backend/internal/modules/rentergrowth/growth_test.go

@@ -0,0 +1,102 @@
+package rentergrowth
+
+import (
+	"testing"
+
+	"hfb_sys/backend/internal/database"
+	"hfb_sys/backend/internal/model"
+)
+
+func TestLevelForPointsStartsFromNormal(t *testing.T) {
+	cfg := DefaultConfig()
+	cases := []struct {
+		points int64
+		want   string
+	}{
+		{points: 0, want: DefaultLevelCode},
+		{points: 299, want: DefaultLevelCode},
+		{points: 300, want: "platinum"},
+		{points: 1000, want: "diamond"},
+		{points: 5000, want: "peak"},
+	}
+	for _, tc := range cases {
+		got := LevelForPoints(cfg, tc.points)
+		if got.Code != tc.want {
+			t.Fatalf("LevelForPoints(%d) = %q, want %q", tc.points, got.Code, tc.want)
+		}
+	}
+}
+
+func TestCalculateDiscountCentCapsAtPlatformFee(t *testing.T) {
+	if got := CalculateDiscountCent(10000, 60, 9900); got != 60 {
+		t.Fatalf("discount = %d, want capped platform fee 60", got)
+	}
+	if got := CalculateDiscountCent(10000, 1000, 9900); got != 100 {
+		t.Fatalf("discount = %d, want 100", got)
+	}
+	if got := CalculateDiscountCent(10000, 1000, DefaultDiscountBps); got != 0 {
+		t.Fatalf("normal discount = %d, want 0", got)
+	}
+}
+
+func TestAwardOrderCompletedUpdatesUserAndIsIdempotent(t *testing.T) {
+	db := database.NewTestDB()
+	if err := db.AutoMigrate(
+		&model.User{},
+		&model.RentalOrder{},
+		&model.SystemConfig{},
+		&model.RenterGrowthLedger{},
+	); err != nil {
+		t.Fatalf("migrate failed: %v", err)
+	}
+	user := model.User{
+		Phone:              "13800008888",
+		RenterGrowthPoints: 290,
+		RenterGrowthLevel:  DefaultLevelCode,
+	}
+	if err := db.Create(&user).Error; err != nil {
+		t.Fatalf("create user failed: %v", err)
+	}
+	order := model.RentalOrder{
+		OrderNo:        "RG202607260001",
+		RenterID:       user.ID,
+		RentAmountCent: 2000,
+	}
+	if err := db.Create(&order).Error; err != nil {
+		t.Fatalf("create order failed: %v", err)
+	}
+
+	if err := AwardOrderCompleted(db, &order, 2000, SourceOrderCompleted); err != nil {
+		t.Fatalf("AwardOrderCompleted() error = %v", err)
+	}
+	if order.GrowthPointsAwarded != 20 || order.GrowthPointsAwardedAt == nil {
+		t.Fatalf("order awarded = %d at %v, want 20 with time", order.GrowthPointsAwarded, order.GrowthPointsAwardedAt)
+	}
+	var savedUser model.User
+	if err := db.First(&savedUser, user.ID).Error; err != nil {
+		t.Fatalf("find user failed: %v", err)
+	}
+	if savedUser.RenterGrowthPoints != 310 || savedUser.RenterGrowthLevel != "platinum" {
+		t.Fatalf("user growth = %d/%s, want 310/platinum", savedUser.RenterGrowthPoints, savedUser.RenterGrowthLevel)
+	}
+
+	freshOrder := order
+	freshOrder.GrowthPointsAwarded = 0
+	freshOrder.GrowthPointsAwardedAt = nil
+	if err := AwardOrderCompleted(db, &freshOrder, 2000, SourceOrderCompleted); err != nil {
+		t.Fatalf("second AwardOrderCompleted() error = %v", err)
+	}
+	if err := db.First(&savedUser, user.ID).Error; err != nil {
+		t.Fatalf("find user after second award failed: %v", err)
+	}
+	if savedUser.RenterGrowthPoints != 310 {
+		t.Fatalf("user points after second award = %d, want unchanged 310", savedUser.RenterGrowthPoints)
+	}
+	var ledgerCount int64
+	if err := db.Model(&model.RenterGrowthLedger{}).Where("order_id = ?", order.ID).Count(&ledgerCount).Error; err != nil {
+		t.Fatalf("count ledger failed: %v", err)
+	}
+	if ledgerCount != 1 {
+		t.Fatalf("ledger count = %d, want 1", ledgerCount)
+	}
+}

backend/internal/modules/systemconfig/repository.go

@@ -8,6 +8,7 @@ import (
 
 	"hfb_sys/backend/internal/auditlog"
 	"hfb_sys/backend/internal/model"
+	"hfb_sys/backend/internal/modules/rentergrowth"
 
 	"gorm.io/gorm"
 	"gorm.io/gorm/clause"
@@ -36,6 +37,7 @@ var defaultConfigs = []defaultConfig{
 	{Key: listingPublishAgreementsConfigKey, Value: defaultListingPublishAgreementsConfigValue(), Description: "发布账号前协议配置 JSON"},
 	{Key: orderAgreementsConfigKey, Value: defaultOrderAgreementsConfigValue(), Description: "下单前协议配置 JSON"},
 	{Key: postRentalNoticeConfigKey, Value: defaultPostRentalNoticeConfigValue(), Description: "租后须知配置 JSON"},
+	{Key: rentergrowth.ConfigKey, Value: rentergrowth.DefaultConfigValue(), Description: "租客成长等级规则 JSON（积分门槛/下单折扣）"},
 	{Key: "chat.default_support_admin_id", Value: "2", Description: "默认客服 ID（必须是启用状态的客服角色）"},
 	{Key: "chat.auto_welcome_message", Value: "欢迎加入订单群聊！如有任何问题，请随时沟通。", Description: "建群后自动发送的欢迎话术"},
 	{Key: "chat.listing_group_welcome", Value: "欢迎加入账号群！请号主扫描下方二维码加入企业微信群，方便客服与您及时联系。", Description: "发布群创建后自动发送的欢迎语"},
@@ -73,6 +75,7 @@ var adminVisibleConfigKeys = []string{
 	"order.pending_payment_timeout_minutes",
 	"order.return_overdue_grace_minutes",
 	"profile.post_rental_notice",
+	"renter.growth_level_rules",
 }
 
 func NewRepository(db *gorm.DB) *Repository {

backend/migrations/000037_renter_growth_level.sql

@@ -0,0 +1,69 @@
+-- +goose Up
+
+ALTER TABLE users
+  ADD COLUMN renter_growth_points BIGINT NOT NULL DEFAULT 0 COMMENT '租客成长积分' AFTER deposit_free_quota_cent,
+  ADD COLUMN renter_growth_level VARCHAR(32) NOT NULL DEFAULT 'normal' COMMENT '租客成长等级: normal普通/platinum铂金/diamond钻石/peak巅峰' AFTER renter_growth_points,
+  ADD KEY idx_users_renter_growth_level (renter_growth_level, renter_growth_points);
+
+ALTER TABLE rental_orders
+  ADD COLUMN rent_original_amount_cent BIGINT NOT NULL DEFAULT 0 COMMENT '租客下单原始租金(分)' AFTER platform_fee_cent,
+  ADD COLUMN rent_discount_amount_cent BIGINT NOT NULL DEFAULT 0 COMMENT '租客成长等级优惠金额(分)' AFTER rent_original_amount_cent,
+  ADD COLUMN renter_growth_level VARCHAR(32) NOT NULL DEFAULT 'normal' COMMENT '下单时租客成长等级快照' AFTER rent_discount_amount_cent,
+  ADD COLUMN renter_growth_level_name VARCHAR(32) NOT NULL DEFAULT '普通' COMMENT '下单时租客成长等级名称快照' AFTER renter_growth_level,
+  ADD COLUMN renter_discount_bps INT NOT NULL DEFAULT 10000 COMMENT '下单时租客等级折扣，10000=无折扣' AFTER renter_growth_level_name,
+  ADD COLUMN growth_points_awarded BIGINT NOT NULL DEFAULT 0 COMMENT '订单完成后已发放成长积分' AFTER renter_discount_bps,
+  ADD COLUMN growth_points_awarded_at DATETIME NULL COMMENT '成长积分发放时间' AFTER growth_points_awarded,
+  ADD KEY idx_rental_orders_growth_awarded (growth_points_awarded_at, renter_id);
+
+UPDATE rental_orders
+SET rent_original_amount_cent = rent_amount_cent
+WHERE rent_original_amount_cent = 0;
+
+CREATE TABLE renter_growth_ledger (
+  id BIGINT UNSIGNED NOT NULL AUTO_INCREMENT,
+  user_id BIGINT UNSIGNED NOT NULL COMMENT '用户ID',
+  order_id BIGINT UNSIGNED NOT NULL DEFAULT 0 COMMENT '租号订单ID',
+  points BIGINT NOT NULL DEFAULT 0 COMMENT '变动积分',
+  before_points BIGINT NOT NULL DEFAULT 0 COMMENT '变动前积分',
+  after_points BIGINT NOT NULL DEFAULT 0 COMMENT '变动后积分',
+  before_level VARCHAR(32) NOT NULL DEFAULT 'normal' COMMENT '变动前等级',
+  after_level VARCHAR(32) NOT NULL DEFAULT 'normal' COMMENT '变动后等级',
+  source VARCHAR(32) NOT NULL DEFAULT 'order_completed' COMMENT '来源',
+  remark VARCHAR(255) NOT NULL DEFAULT '' COMMENT '备注',
+  created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP,
+  PRIMARY KEY (id),
+  UNIQUE KEY uk_renter_growth_order_source (order_id, source),
+  KEY idx_renter_growth_ledger_user (user_id),
+  KEY idx_renter_growth_ledger_order (order_id)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COMMENT='租客成长积分流水';
+
+INSERT INTO system_configs (`key`, `value`, `description`, `created_at`, `updated_at`)
+VALUES (
+  'renter.growth_level_rules',
+  '{"enabled":true,"points_per_yuan":1,"levels":[{"code":"normal","name":"普通","min_points":0,"discount_bps":10000},{"code":"platinum","name":"铂金","min_points":300,"discount_bps":9900},{"code":"diamond","name":"钻石","min_points":1000,"discount_bps":9800},{"code":"peak","name":"巅峰","min_points":5000,"discount_bps":9500}]}',
+  '租客成长等级规则 JSON（积分门槛/下单折扣）',
+  NOW(),
+  NOW()
+)
+ON DUPLICATE KEY UPDATE description = VALUES(description);
+
+-- +goose Down
+
+DELETE FROM system_configs WHERE `key` = 'renter.growth_level_rules';
+
+DROP TABLE renter_growth_ledger;
+
+ALTER TABLE rental_orders
+  DROP KEY idx_rental_orders_growth_awarded,
+  DROP COLUMN growth_points_awarded_at,
+  DROP COLUMN growth_points_awarded,
+  DROP COLUMN renter_discount_bps,
+  DROP COLUMN renter_growth_level_name,
+  DROP COLUMN renter_growth_level,
+  DROP COLUMN rent_discount_amount_cent,
+  DROP COLUMN rent_original_amount_cent;
+
+ALTER TABLE users
+  DROP KEY idx_users_renter_growth_level,
+  DROP COLUMN renter_growth_level,
+  DROP COLUMN renter_growth_points;