完善租客等级免押与积分管理

backend/internal/modules/adminuser/dto.go

@@ -3,27 +3,30 @@ package adminuser
 import "time"
 
 type UserDTO struct {
-	ID                       uint64     `json:"id"`
-	Phone                    string     `json:"phone"`
-	Nickname                 string     `json:"nickname"`
-	RealnameStatus           string     `json:"realname_status"`
-	RiskStatus               string     `json:"risk_status"`
-	CreditScore              int        `json:"credit_score"`
-	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"`
-	OrderCount               int64      `json:"order_count"`
-	ListingCount             int64      `json:"listing_count"`
-	DisputeCount             int64      `json:"dispute_count"`
-	LastLoginAt              *time.Time `json:"last_login_at"`
-	CreatedAt                time.Time  `json:"created_at"`
-	UpdatedAt                time.Time  `json:"updated_at"`
+	ID                            uint64     `json:"id"`
+	Phone                         string     `json:"phone"`
+	Nickname                      string     `json:"nickname"`
+	RealnameStatus                string     `json:"realname_status"`
+	RiskStatus                    string     `json:"risk_status"`
+	CreditScore                   int        `json:"credit_score"`
+	DepositFreeQuotaCent          int64      `json:"deposit_free_quota_cent"`
+	DepositFreeManualQuotaCent    int64      `json:"deposit_free_manual_quota_cent"`
+	DepositFreeLevelQuotaCent     int64      `json:"deposit_free_level_quota_cent"`
+	DepositFreeEffectiveQuotaCent int64      `json:"deposit_free_effective_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"`
+	OrderCount                    int64      `json:"order_count"`
+	ListingCount                  int64      `json:"listing_count"`
+	DisputeCount                  int64      `json:"dispute_count"`
+	LastLoginAt                   *time.Time `json:"last_login_at"`
+	CreatedAt                     time.Time  `json:"created_at"`
+	UpdatedAt                     time.Time  `json:"updated_at"`
 }
 type FreezeRequest struct {
 	Reason string `json:"reason"`
@@ -43,6 +46,11 @@ type DepositFreeQuotaRequest struct {
 	AmountCent int64 `json:"amount_cent"`
 }
 
+type GrowthPointsAdjustRequest struct {
+	TargetPoints int64  `json:"target_points"`
+	Reason       string `json:"reason" binding:"required"`
+}
+
 // WalletAdjustRequest 后台人工调整用户可用余额。
 // Direction: in=加款 out=扣款；仅操作 available，不改 frozen。
 type WalletAdjustRequest struct {

backend/internal/modules/adminuser/handler.go

@@ -120,6 +120,29 @@ func (h *Handler) SetDepositFreeQuota(c *gin.Context) {
 	response.OK(c, item)
 }
 
+func (h *Handler) AdjustGrowthPoints(c *gin.Context) {
+	adminID, ok := currentAdminID(c)
+	if !ok {
+		response.Unauthorized(c, "缺少管理员上下文")
+		return
+	}
+	userID, ok := parseID(c)
+	if !ok {
+		return
+	}
+	var req GrowthPointsAdjustRequest
+	if err := c.ShouldBindJSON(&req); err != nil {
+		response.BadRequest(c, "成长积分调整参数不正确")
+		return
+	}
+	item, err := h.service.AdjustGrowthPoints(c.Request.Context(), adminID, userID, req, auditMeta(c))
+	if err != nil {
+		writeAdminUserError(c, err)
+		return
+	}
+	response.OK(c, item)
+}
+
 func (h *Handler) RevokeRealname(c *gin.Context) {
 	adminID, ok := currentAdminID(c)
 	if !ok {
@@ -232,6 +255,12 @@ func writeAdminUserError(c *gin.Context, err error) {
 		response.BadRequest(c, "请填写 2-200 字的调账原因")
 	case errors.Is(err, ErrInsufficientBalance):
 		response.Error(c, http.StatusConflict, "insufficient_balance", "用户可用余额不足，无法扣款")
+	case errors.Is(err, ErrInvalidGrowthPoints):
+		response.BadRequest(c, "目标积分不正确，需在 0 到 10 亿之间")
+	case errors.Is(err, ErrInvalidGrowthReason):
+		response.BadRequest(c, "请填写 2-200 字的积分调整原因")
+	case errors.Is(err, ErrGrowthPointsUnchanged):
+		response.Error(c, http.StatusConflict, "growth_points_unchanged", "目标积分与当前积分相同")
 	case IsNotFound(err):
 		response.Error(c, http.StatusNotFound, "not_found", "用户不存在")
 	default:

backend/internal/modules/adminuser/repository.go

@@ -34,8 +34,12 @@ func NewRepository(db *gorm.DB, encryptors ...crypto.Encryptor) *Repository {
 }
 
 func (r *Repository) List(ctx context.Context, page, pageSize int, query ListQuery) (*PaginatedResult, error) {
+	growthConfig, err := rentergrowth.ConfigForTx(r.db.WithContext(ctx))
+	if err != nil {
+		return nil, err
+	}
 	var total int64
-	countTx := applyUserFilter(r.db.WithContext(ctx).Table("users AS u"), query)
+	countTx := applyUserFilter(r.db.WithContext(ctx).Table("users AS u"), query, growthConfig)
 	if err := countTx.Count(&total).Error; err != nil {
 		return nil, err
 	}
@@ -54,8 +58,8 @@ func (r *Repository) List(ctx context.Context, page, pageSize int, query ListQue
 		Joins("LEFT JOIN (SELECT user_id, COUNT(*) AS dispute_count FROM (SELECT initiator_id AS user_id FROM disputes UNION ALL SELECT target_user_id AS user_id FROM disputes) AS dispute_users GROUP BY user_id) AS d ON d.user_id = u.id").
 		Joins("LEFT JOIN (SELECT renter_id AS user_id, SUM(deposit_waived_amount_cent) AS deposit_free_used_cent FROM rental_orders WHERE status NOT IN ('completed', 'cancelled', 'closed') GROUP BY renter_id) AS df ON df.user_id = u.id").
 		Joins("LEFT JOIN wallet_accounts AS w ON w.user_id = u.id")
-	listTx = applyUserFilter(listTx, query)
-	err := listTx.
+	listTx = applyUserFilter(listTx, query, growthConfig)
+	err = listTx.
 		Order("u.id DESC").
 		Offset(offset).Limit(pageSize).
 		Scan(&rows).Error
@@ -64,18 +68,22 @@ func (r *Repository) List(ctx context.Context, page, pageSize int, query ListQue
 	}
 	items := make([]UserDTO, 0, len(rows))
 	for _, row := range rows {
-		items = append(items, row.toDTO())
+		items = append(items, row.toDTO(growthConfig))
 	}
 	return &PaginatedResult{Items: items, Total: total, Page: page, PageSize: pageSize}, nil
 }
 
 // applyUserFilter 将列表筛选条件应用到查询（基于 users 表别名 u）。
-func applyUserFilter(tx *gorm.DB, query ListQuery) *gorm.DB {
+func applyUserFilter(tx *gorm.DB, query ListQuery, growthConfig rentergrowth.Config) *gorm.DB {
 	if query.Status != "" {
 		tx = tx.Where("u.status = ?", query.Status)
 	}
 	if query.HasDepositFreeQuota {
-		tx = tx.Where("u.deposit_free_quota_cent > 0")
+		if minPoints, ok := minimumGrowthQuotaPoints(growthConfig); ok {
+			tx = tx.Where("u.deposit_free_quota_cent > 0 OR u.renter_growth_points >= ?", minPoints)
+		} else {
+			tx = tx.Where("u.deposit_free_quota_cent > 0")
+		}
 	}
 	if keyword := strings.TrimSpace(query.Keyword); keyword != "" {
 		like := "%" + keyword + "%"
@@ -89,6 +97,24 @@ func applyUserFilter(tx *gorm.DB, query ListQuery) *gorm.DB {
 	return tx
 }
 
+func minimumGrowthQuotaPoints(cfg rentergrowth.Config) (int64, bool) {
+	if !cfg.Enabled {
+		return 0, false
+	}
+	var minPoints int64
+	found := false
+	for _, level := range cfg.Levels {
+		if level.DepositFreeQuotaCent <= 0 {
+			continue
+		}
+		if !found || level.MinPoints < minPoints {
+			minPoints = level.MinPoints
+			found = true
+		}
+	}
+	return minPoints, found
+}
+
 func (r *Repository) Freeze(ctx context.Context, adminID uint64, userID uint64, req FreezeRequest, meta AuditMeta) (*UserDTO, error) {
 	return r.updateStatus(ctx, adminID, userID, "frozen", "frozen", "admin_user.freeze", req.Reason, meta)
 }
@@ -124,6 +150,62 @@ func (r *Repository) SetDepositFreeQuota(ctx context.Context, adminID uint64, us
 	return r.Find(ctx, userID)
 }
 
+func (r *Repository) AdjustGrowthPoints(ctx context.Context, adminID uint64, userID uint64, req GrowthPointsAdjustRequest, meta AuditMeta) (*UserDTO, error) {
+	err := r.db.WithContext(ctx).Transaction(func(tx *gorm.DB) error {
+		var user model.User
+		if err := tx.Clauses(clause.Locking{Strength: "UPDATE"}).First(&user, userID).Error; err != nil {
+			return err
+		}
+		if user.RenterGrowthPoints == req.TargetPoints {
+			return ErrGrowthPointsUnchanged
+		}
+		cfg, err := rentergrowth.ConfigForTx(tx)
+		if err != nil {
+			return err
+		}
+		beforePoints := user.RenterGrowthPoints
+		beforeLevel := rentergrowth.LevelForPoints(cfg, beforePoints)
+		afterLevel := rentergrowth.LevelForPoints(cfg, req.TargetPoints)
+		if !cfg.Enabled {
+			beforeLevel = rentergrowth.LevelForPoints(cfg, 0)
+			afterLevel = beforeLevel
+		}
+		user.RenterGrowthPoints = req.TargetPoints
+		user.RenterGrowthLevel = afterLevel.Code
+		if err := tx.Save(&user).Error; err != nil {
+			return err
+		}
+		ledger := model.RenterGrowthLedger{
+			UserID:          user.ID,
+			Points:          req.TargetPoints - beforePoints,
+			BeforePoints:    beforePoints,
+			AfterPoints:     req.TargetPoints,
+			BeforeLevel:     beforeLevel.Code,
+			AfterLevel:      afterLevel.Code,
+			Source:          rentergrowth.SourceAdminAdjustment,
+			OperatorAdminID: &adminID,
+			Remark:          "后台调整成长积分: " + req.Reason,
+			CreatedAt:       time.Now(),
+		}
+		if err := tx.Create(&ledger).Error; err != nil {
+			return err
+		}
+		return appendAuditLog(tx, adminID, "admin_user.adjust_growth_points", user.ID, meta, map[string]any{
+			"user_id":       user.ID,
+			"before_points": beforePoints,
+			"after_points":  req.TargetPoints,
+			"change_points": req.TargetPoints - beforePoints,
+			"before_level":  beforeLevel.Code,
+			"after_level":   afterLevel.Code,
+			"reason":        req.Reason,
+		})
+	})
+	if err != nil {
+		return nil, err
+	}
+	return r.Find(ctx, userID)
+}
+
 func (r *Repository) updateStatus(ctx context.Context, adminID uint64, userID uint64, status string, riskStatus string, action string, reason string, meta AuditMeta) (*UserDTO, error) {
 	err := r.db.WithContext(ctx).Transaction(func(tx *gorm.DB) error {
 		var user model.User
@@ -270,8 +352,12 @@ func (r *Repository) ManualRealname(ctx context.Context, adminID uint64, userID
 }
 
 func (r *Repository) Find(ctx context.Context, userID uint64) (*UserDTO, error) {
+	growthConfig, err := rentergrowth.ConfigForTx(r.db.WithContext(ctx))
+	if err != nil {
+		return nil, err
+	}
 	var row userRow
-	err := r.db.WithContext(ctx).Table("users AS u").
+	err = r.db.WithContext(ctx).Table("users AS u").
 		Select(`u.*,
 			COALESCE(o.order_count, 0) AS order_count,
 			COALESCE(l.listing_count, 0) AS listing_count,
@@ -289,7 +375,7 @@ func (r *Repository) Find(ctx context.Context, userID uint64) (*UserDTO, error)
 	if err != nil {
 		return nil, err
 	}
-	dto := row.toDTO()
+	dto := row.toDTO(growthConfig)
 	return &dto, nil
 }
 
@@ -385,53 +471,43 @@ type userRow struct {
 	FrozenBalanceCent    int64
 }
 
-func (row userRow) toDTO() UserDTO {
-	remaining := row.DepositFreeQuotaCent - row.DepositFreeUsedCent
+func (row userRow) toDTO(growthConfig rentergrowth.Config) UserDTO {
+	level := rentergrowth.LevelForPoints(growthConfig, row.RenterGrowthPoints)
+	levelQuotaCent := level.DepositFreeQuotaCent
+	if !growthConfig.Enabled {
+		level = rentergrowth.LevelForPoints(growthConfig, 0)
+		levelQuotaCent = 0
+	}
+	effectiveQuotaCent := rentergrowth.EffectiveDepositFreeQuotaCent(levelQuotaCent, row.DepositFreeQuotaCent)
+	remaining := effectiveQuotaCent - row.DepositFreeUsedCent
 	if remaining < 0 {
 		remaining = 0
 	}
 	return UserDTO{
-		ID:                       row.ID,
-		Phone:                    row.Phone,
-		Nickname:                 row.Nickname,
-		RealnameStatus:           row.RealnameStatus,
-		RiskStatus:               row.RiskStatus,
-		CreditScore:              row.CreditScore,
-		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,
-		OrderCount:               row.OrderCount,
-		ListingCount:             row.ListingCount,
-		DisputeCount:             row.DisputeCount,
-		LastLoginAt:              row.LastLoginAt,
-		CreatedAt:                row.CreatedAt,
-		UpdatedAt:                row.UpdatedAt,
-	}
-}
-
-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
+		ID:                            row.ID,
+		Phone:                         row.Phone,
+		Nickname:                      row.Nickname,
+		RealnameStatus:                row.RealnameStatus,
+		RiskStatus:                    row.RiskStatus,
+		CreditScore:                   row.CreditScore,
+		DepositFreeQuotaCent:          row.DepositFreeQuotaCent,
+		DepositFreeManualQuotaCent:    row.DepositFreeQuotaCent,
+		DepositFreeLevelQuotaCent:     levelQuotaCent,
+		DepositFreeEffectiveQuotaCent: effectiveQuotaCent,
+		DepositFreeUsedCent:           row.DepositFreeUsedCent,
+		DepositFreeRemainingCent:      remaining,
+		RenterGrowthPoints:            row.RenterGrowthPoints,
+		RenterGrowthLevel:             level.Code,
+		RenterGrowthLevelName:         level.Name,
+		AvailableBalanceCent:          row.AvailableBalanceCent,
+		FrozenBalanceCent:             row.FrozenBalanceCent,
+		Status:                        row.Status,
+		OrderCount:                    row.OrderCount,
+		ListingCount:                  row.ListingCount,
+		DisputeCount:                  row.DisputeCount,
+		LastLoginAt:                   row.LastLoginAt,
+		CreatedAt:                     row.CreatedAt,
+		UpdatedAt:                     row.UpdatedAt,
 	}
 }
 

backend/internal/modules/adminuser/repository_test.go

@@ -6,6 +6,7 @@ import (
 	"testing"
 
 	"hfb_sys/backend/internal/model"
+	"hfb_sys/backend/internal/modules/rentergrowth"
 
 	"gorm.io/driver/sqlite"
 	"gorm.io/gorm"
@@ -69,17 +70,59 @@ func TestApplyUserFilterHasDepositFreeQuota(t *testing.T) {
 	stmt := applyUserFilter(db.Table("users AS u"), ListQuery{
 		Status:              "active",
 		HasDepositFreeQuota: true,
-	}).Find(&[]struct{}{}).Statement
+	}, rentergrowth.DefaultConfig()).Find(&[]struct{}{}).Statement
 	sql := stmt.SQL.String()
 
-	if !strings.Contains(sql, "u.deposit_free_quota_cent > 0") {
+	if !strings.Contains(sql, "u.deposit_free_quota_cent > 0 OR u.renter_growth_points >=") {
 		t.Fatalf("SQL 未包含免押额度过滤：%s", sql)
 	}
-	if len(stmt.Vars) != 1 || stmt.Vars[0] != "active" {
+	if len(stmt.Vars) != 2 || stmt.Vars[0] != "active" || stmt.Vars[1] != int64(300) {
 		t.Fatalf("筛选变量不正确：%v", stmt.Vars)
 	}
 }
 
+func TestAdjustGrowthPointsWritesRepeatableLedgers(t *testing.T) {
+	db := setupAdminUserTestDB(t)
+	user := model.User{
+		Phone:              "13900000005",
+		Status:             "active",
+		RenterGrowthPoints: 290,
+		RenterGrowthLevel:  rentergrowth.DefaultLevelCode,
+	}
+	if err := db.Create(&user).Error; err != nil {
+		t.Fatalf("创建用户失败：%v", err)
+	}
+	repo := NewRepository(db)
+	if _, err := repo.AdjustGrowthPoints(t.Context(), 66, user.ID, GrowthPointsAdjustRequest{
+		TargetPoints: 1000,
+		Reason:       "运营活动赠送",
+	}, AuditMeta{RequestID: "growth-1"}); err != nil {
+		t.Fatalf("第一次调整积分失败：%v", err)
+	}
+	got, err := repo.AdjustGrowthPoints(t.Context(), 66, user.ID, GrowthPointsAdjustRequest{
+		TargetPoints: 200,
+		Reason:       "修正错误赠送",
+	}, AuditMeta{RequestID: "growth-2"})
+	if err != nil {
+		t.Fatalf("第二次调整积分失败：%v", err)
+	}
+	if got.RenterGrowthPoints != 200 || got.RenterGrowthLevel != rentergrowth.DefaultLevelCode {
+		t.Fatalf("调整后成长信息 = %d/%s, want 200/normal", got.RenterGrowthPoints, got.RenterGrowthLevel)
+	}
+	var ledgers []model.RenterGrowthLedger
+	if err := db.Where("user_id = ? AND source = ?", user.ID, rentergrowth.SourceAdminAdjustment).Order("id ASC").Find(&ledgers).Error; err != nil {
+		t.Fatalf("查询积分流水失败：%v", err)
+	}
+	if len(ledgers) != 2 || ledgers[0].Points != 710 || ledgers[1].Points != -800 {
+		t.Fatalf("积分流水不正确：%+v", ledgers)
+	}
+	for _, ledger := range ledgers {
+		if ledger.OrderID != nil || ledger.OperatorAdminID == nil || *ledger.OperatorAdminID != 66 {
+			t.Fatalf("人工积分流水关联不正确：%+v", ledger)
+		}
+	}
+}
+
 func TestManualRealnameUpdatesUserRecordAndAudit(t *testing.T) {
 	db := setupAdminUserTestDB(t)
 	user := model.User{
@@ -265,6 +308,8 @@ func setupAdminUserTestDB(t *testing.T) *gorm.DB {
 		&model.Dispute{},
 		&model.WalletAccount{},
 		&model.WalletLedger{},
+		&model.SystemConfig{},
+		&model.RenterGrowthLedger{},
 	); err != nil {
 		t.Fatalf("数据库迁移失败：%v", err)
 	}

backend/internal/modules/adminuser/service.go

@@ -17,11 +17,16 @@ var (
 	ErrInvalidWalletAmount     = errors.New("invalid wallet amount")
 	ErrInvalidWalletReason     = errors.New("invalid wallet reason")
 	ErrInsufficientBalance     = errors.New("insufficient balance")
+	ErrInvalidGrowthPoints     = errors.New("invalid growth points")
+	ErrInvalidGrowthReason     = errors.New("invalid growth reason")
+	ErrGrowthPointsUnchanged   = errors.New("growth points unchanged")
 )
 
 // 单笔人工调账上限：10 万元，防止误填。
 const maxWalletAdjustAmountCent int64 = 10_000_000
 
+const maxRenterGrowthPoints int64 = 1_000_000_000
+
 var manualRealnameIDPattern = regexp.MustCompile(`^\d{17}[\dXx]$`)
 
 type Service struct {
@@ -69,6 +74,21 @@ func (s *Service) SetDepositFreeQuota(ctx context.Context, adminID uint64, userI
 	return s.repo.SetDepositFreeQuota(ctx, adminID, userID, req, meta)
 }
 
+func (s *Service) AdjustGrowthPoints(ctx context.Context, adminID uint64, userID uint64, req GrowthPointsAdjustRequest, meta AuditMeta) (*UserDTO, error) {
+	if s.repo == nil {
+		return nil, ErrDependencyUnavailable
+	}
+	if userID == 0 || req.TargetPoints < 0 || req.TargetPoints > maxRenterGrowthPoints {
+		return nil, ErrInvalidGrowthPoints
+	}
+	reason := strings.TrimSpace(req.Reason)
+	if reasonLen := len([]rune(reason)); reasonLen < 2 || reasonLen > 200 {
+		return nil, ErrInvalidGrowthReason
+	}
+	req.Reason = reason
+	return s.repo.AdjustGrowthPoints(ctx, adminID, userID, req, meta)
+}
+
 func (s *Service) RevokeRealname(ctx context.Context, adminID uint64, userID uint64, req RevokeRealnameRequest, meta AuditMeta) (*UserDTO, error) {
 	if s.repo == nil {
 		return nil, ErrDependencyUnavailable

backend/internal/modules/order/dto.go

@@ -31,6 +31,9 @@ type OrderDTO struct {
 	DepositAmountCent           int64             `json:"deposit_amount_cent"`
 	DepositOriginalAmountCent   int64             `json:"deposit_original_amount_cent"`
 	DepositWaivedAmountCent     int64             `json:"deposit_waived_amount_cent"`
+	DepositFreeLevelQuotaCent   int64             `json:"deposit_free_level_quota_cent,omitempty"`
+	DepositFreeManualQuotaCent  int64             `json:"deposit_free_manual_quota_cent,omitempty"`
+	DepositFreeUsedBeforeCent   int64             `json:"deposit_free_used_before_cent,omitempty"`
 	PlatformFeeCent             *int64            `json:"platform_fee_cent,omitempty"`
 	RentOriginalAmountCent      int64             `json:"rent_original_amount_cent,omitempty"`
 	RentDiscountAmountCent      int64             `json:"rent_discount_amount_cent,omitempty"`

backend/internal/modules/order/lifecycle.go

@@ -54,36 +54,39 @@ func (r *Repository) Create(ctx context.Context, renterID uint64, req CreateRequ
 			pricing.RentAmountCent -= rentDiscountAmountCent
 		}
 		depositOriginalAmountCent := listing.DepositAmountCent
-		paidDepositAmountCent, waivedDepositAmountCent, err := r.depositAmountsForOrder(tx, renterID, depositOriginalAmountCent)
+		depositWaiver, err := r.depositAmountsForOrder(tx, renterID, depositOriginalAmountCent, growthSnapshot)
 		if err != nil {
 			return err
 		}
 		order := model.RentalOrder{
-			OrderNo:                   orderNo,
-			ListingID:                 listing.ID,
-			AccountID:                 listing.AccountID,
-			OwnerID:                   listing.OwnerID,
-			RenterID:                  renterID,
-			EstimatedDurationHours:    rentHours,
-			RentAmountCent:            pricing.RentAmountCent,
-			OwnerRentAmountCent:       pricing.OwnerRentAmountCent,
-			DepositAmountCent:         paidDepositAmountCent,
-			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,
-			HandoffMode:               listingHandoffMode(listing),
-			SettlementMode:            listingSettlementMode(listing),
-			ManagedAdminID:            listing.ManagedAdminID,
-			SettlementStatus:          settlementStatusUnsettled,
-			OfflineSettlementStatus:   offlineSettlementStatusNone,
+			OrderNo:                    orderNo,
+			ListingID:                  listing.ID,
+			AccountID:                  listing.AccountID,
+			OwnerID:                    listing.OwnerID,
+			RenterID:                   renterID,
+			EstimatedDurationHours:     rentHours,
+			RentAmountCent:             pricing.RentAmountCent,
+			OwnerRentAmountCent:        pricing.OwnerRentAmountCent,
+			DepositAmountCent:          depositWaiver.PaidCent,
+			DepositOriginalAmountCent:  depositOriginalAmountCent,
+			DepositWaivedAmountCent:    depositWaiver.WaivedCent,
+			DepositFreeLevelQuotaCent:  growthSnapshot.LevelDepositFreeQuotaCent,
+			DepositFreeManualQuotaCent: growthSnapshot.ManualDepositFreeQuotaCent,
+			DepositFreeUsedBeforeCent:  depositWaiver.UsedBeforeCent,
+			PlatformFeeCent:            pricing.PlatformFeeCent,
+			RentOriginalAmountCent:     rentOriginalAmountCent,
+			RentDiscountAmountCent:     rentDiscountAmountCent,
+			RenterGrowthLevel:          growthSnapshot.LevelCode,
+			RenterGrowthLevelName:      growthSnapshot.LevelName,
+			RenterDiscountBps:          growthSnapshot.DiscountBps,
+			AccountSnapshot:            snapshot,
+			Status:                     orderStatusPendingPayment,
+			HandoffStatus:              handoffStatusNone,
+			HandoffMode:                listingHandoffMode(listing),
+			SettlementMode:             listingSettlementMode(listing),
+			ManagedAdminID:             listing.ManagedAdminID,
+			SettlementStatus:           settlementStatusUnsettled,
+			OfflineSettlementStatus:    offlineSettlementStatusNone,
 		}
 		if err := tx.Create(&order).Error; err != nil {
 			return err
@@ -128,20 +131,26 @@ func listingSettlementMode(listing model.RentalListing) string {
 	return settlementModeOwnerWallet
 }
 
-func (r *Repository) depositAmountsForOrder(tx *gorm.DB, renterID uint64, originalDepositCent int64) (int64, int64, error) {
+type depositWaiverAmounts struct {
+	PaidCent       int64
+	WaivedCent     int64
+	UsedBeforeCent int64
+}
+
+func (r *Repository) depositAmountsForOrder(tx *gorm.DB, renterID uint64, originalDepositCent int64, growthSnapshot rentergrowth.DiscountSnapshot) (depositWaiverAmounts, error) {
 	if originalDepositCent <= 0 {
-		return 0, 0, nil
-	}
-	var user model.User
-	if err := tx.Clauses(clause.Locking{Strength: "UPDATE"}).First(&user, renterID).Error; err != nil {
-		return 0, 0, err
+		return depositWaiverAmounts{}, nil
 	}
 	used, err := activeDepositFreeUsed(tx, renterID)
 	if err != nil {
-		return 0, 0, err
+		return depositWaiverAmounts{}, err
 	}
-	paidDeposit, waivedDeposit := calculateDepositWaiver(originalDepositCent, user.DepositFreeQuotaCent, used)
-	return paidDeposit, waivedDeposit, nil
+	paidDeposit, waivedDeposit := calculateDepositWaiver(originalDepositCent, growthSnapshot.EffectiveDepositFreeQuotaCent, used)
+	return depositWaiverAmounts{
+		PaidCent:       paidDeposit,
+		WaivedCent:     waivedDeposit,
+		UsedBeforeCent: used,
+	}, nil
 }
 
 func activeDepositFreeUsed(tx *gorm.DB, renterID uint64) (int64, error) {

backend/internal/modules/order/presenter.go

@@ -81,6 +81,9 @@ func (row orderRow) toAdminDTO() OrderDTO {
 		DepositAmountCent:           row.DepositAmountCent,
 		DepositOriginalAmountCent:   effectiveDepositOriginalAmountCent(row.RentalOrder),
 		DepositWaivedAmountCent:     row.DepositWaivedAmountCent,
+		DepositFreeLevelQuotaCent:   row.DepositFreeLevelQuotaCent,
+		DepositFreeManualQuotaCent:  row.DepositFreeManualQuotaCent,
+		DepositFreeUsedBeforeCent:   row.DepositFreeUsedBeforeCent,
 		PlatformFeeCent:             &platformFeeCent,
 		RentOriginalAmountCent:      effectiveRentOriginalAmountCent(row.RentalOrder),
 		RentDiscountAmountCent:      row.RentDiscountAmountCent,

backend/internal/modules/order/repository_integration_test.go

@@ -146,9 +146,10 @@ func TestRepositoryCreateAppliesRenterGrowthDiscount(t *testing.T) {
 
 	owner := model.User{Phone: "13800001101"}
 	renter := model.User{
-		Phone:              "13800001102",
-		RenterGrowthPoints: 300,
-		RenterGrowthLevel:  "platinum",
+		Phone:                "13800001102",
+		RenterGrowthPoints:   300,
+		RenterGrowthLevel:    "platinum",
+		DepositFreeQuotaCent: 20000,
 	}
 	if err := db.Create(&owner).Error; err != nil {
 		t.Fatalf("create owner failed: %v", err)
@@ -167,11 +168,12 @@ func TestRepositoryCreateAppliesRenterGrowthDiscount(t *testing.T) {
 		t.Fatalf("create account failed: %v", err)
 	}
 	listing := model.RentalListing{
-		AccountID:    account.ID,
-		OwnerID:      owner.ID,
-		PriceCent:    10000,
-		Status:       listingStatusPublished,
-		ReviewStatus: listingReviewStatusApproved,
+		AccountID:         account.ID,
+		OwnerID:           owner.ID,
+		PriceCent:         10000,
+		DepositAmountCent: 100000,
+		Status:            listingStatusPublished,
+		ReviewStatus:      listingReviewStatusApproved,
 	}
 	if err := db.Create(&listing).Error; err != nil {
 		t.Fatalf("create listing failed: %v", err)
@@ -197,6 +199,12 @@ func TestRepositoryCreateAppliesRenterGrowthDiscount(t *testing.T) {
 	if saved.OwnerRentAmountCent != 9000 || saved.PlatformFeeCent != 900 {
 		t.Fatalf("pricing = owner %d platform %d, want 9000/900", saved.OwnerRentAmountCent, saved.PlatformFeeCent)
 	}
+	if saved.DepositAmountCent != 30000 || saved.DepositWaivedAmountCent != 70000 {
+		t.Fatalf("deposit = paid %d waived %d, want 30000/70000", saved.DepositAmountCent, saved.DepositWaivedAmountCent)
+	}
+	if saved.DepositFreeLevelQuotaCent != 50000 || saved.DepositFreeManualQuotaCent != 20000 || saved.DepositFreeUsedBeforeCent != 0 {
+		t.Fatalf("deposit quota snapshot = level %d manual %d used %d", saved.DepositFreeLevelQuotaCent, saved.DepositFreeManualQuotaCent, saved.DepositFreeUsedBeforeCent)
+	}
 }
 
 // TestBuildOrderPricing 测试订单定价计算

backend/internal/modules/rentergrowth/growth.go

@@ -14,14 +14,31 @@ import (
 )
 
 const (
-	ConfigKey            = "renter.growth_level_rules"
-	DefaultLevelCode     = "normal"
-	DefaultLevelName     = "普通"
-	DefaultDiscountBps   = 10000
-	DefaultPointsPerYuan = 1
-	SourceOrderCompleted = "order_completed"
+	ConfigKey                = "renter.growth_level_rules"
+	DefaultLevelCode         = "normal"
+	DefaultLevelName         = "普通"
+	DefaultDiscountBps       = 10000
+	DefaultPointsPerYuan     = 1
+	DefaultPlatinumQuotaCent = 50_000
+	DefaultDiamondQuotaCent  = 100_000
+	DefaultPeakQuotaCent     = 150_000
+	MaxPointsPerYuan         = 1_000
+	MaxLevelPoints           = 1_000_000_000
+	MaxLevelQuotaCent        = 100_000_000
+	SourceOrderCompleted     = "order_completed"
+	SourceAdminAdjustment    = "admin_adjustment"
 )
 
+var fixedLevels = []struct {
+	Code string
+	Name string
+}{
+	{Code: DefaultLevelCode, Name: DefaultLevelName},
+	{Code: "platinum", Name: "铂金"},
+	{Code: "diamond", Name: "钻石"},
+	{Code: "peak", Name: "巅峰"},
+}
+
 type Config struct {
 	Enabled       bool        `json:"enabled"`
 	PointsPerYuan int64       `json:"points_per_yuan"`
@@ -29,17 +46,21 @@ type Config struct {
 }
 
 type LevelRule struct {
-	Code        string `json:"code"`
-	Name        string `json:"name"`
-	MinPoints   int64  `json:"min_points"`
-	DiscountBps int    `json:"discount_bps"`
+	Code                 string `json:"code"`
+	Name                 string `json:"name"`
+	MinPoints            int64  `json:"min_points"`
+	DiscountBps          int    `json:"discount_bps"`
+	DepositFreeQuotaCent int64  `json:"deposit_free_quota_cent"`
 }
 
 type DiscountSnapshot struct {
-	LevelCode   string
-	LevelName   string
-	DiscountBps int
-	UserPoints  int64
+	LevelCode                     string
+	LevelName                     string
+	DiscountBps                   int
+	UserPoints                    int64
+	LevelDepositFreeQuotaCent     int64
+	ManualDepositFreeQuotaCent    int64
+	EffectiveDepositFreeQuotaCent int64
 }
 
 func DefaultConfig() Config {
@@ -47,14 +68,41 @@ func DefaultConfig() 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},
+			{Code: DefaultLevelCode, Name: DefaultLevelName, MinPoints: 0, DiscountBps: DefaultDiscountBps, DepositFreeQuotaCent: 0},
+			{Code: "platinum", Name: "铂金", MinPoints: 300, DiscountBps: 9900, DepositFreeQuotaCent: DefaultPlatinumQuotaCent},
+			{Code: "diamond", Name: "钻石", MinPoints: 1000, DiscountBps: 9800, DepositFreeQuotaCent: DefaultDiamondQuotaCent},
+			{Code: "peak", Name: "巅峰", MinPoints: 5000, DiscountBps: 9500, DepositFreeQuotaCent: DefaultPeakQuotaCent},
 		},
 	}
 }
 
+// UnmarshalJSON 为旧配置补齐等级免押默认值，同时保留后台显式配置的 0 元额度。
+func (level *LevelRule) UnmarshalJSON(data []byte) error {
+	type rawLevelRule struct {
+		Code                 string `json:"code"`
+		Name                 string `json:"name"`
+		MinPoints            int64  `json:"min_points"`
+		DiscountBps          int    `json:"discount_bps"`
+		DepositFreeQuotaCent *int64 `json:"deposit_free_quota_cent"`
+	}
+	var raw rawLevelRule
+	if err := json.Unmarshal(data, &raw); err != nil {
+		return err
+	}
+	quotaCent := defaultDepositFreeQuotaCent(raw.Code)
+	if raw.DepositFreeQuotaCent != nil {
+		quotaCent = *raw.DepositFreeQuotaCent
+	}
+	*level = LevelRule{
+		Code:                 raw.Code,
+		Name:                 raw.Name,
+		MinPoints:            raw.MinPoints,
+		DiscountBps:          raw.DiscountBps,
+		DepositFreeQuotaCent: quotaCent,
+	}
+	return nil
+}
+
 func DefaultConfigValue() string {
 	raw, err := json.Marshal(DefaultConfig())
 	if err != nil {
@@ -63,6 +111,63 @@ func DefaultConfigValue() string {
 	return string(raw)
 }
 
+// ParseConfigValue 严格解析后台提交的成长等级配置。
+func ParseConfigValue(value string) (Config, error) {
+	var cfg Config
+	if err := json.Unmarshal([]byte(value), &cfg); err != nil {
+		return Config{}, err
+	}
+	if err := ValidateConfig(cfg); err != nil {
+		return Config{}, err
+	}
+	return normalizeConfig(cfg), nil
+}
+
+func MarshalConfig(cfg Config) (string, error) {
+	raw, err := json.Marshal(normalizeConfig(cfg))
+	if err != nil {
+		return "", err
+	}
+	return string(raw), nil
+}
+
+// ValidateConfig 保证四个固定等级完整，且权益不会随等级提升而倒退。
+func ValidateConfig(cfg Config) error {
+	if cfg.PointsPerYuan <= 0 || cfg.PointsPerYuan > MaxPointsPerYuan || len(cfg.Levels) != len(fixedLevels) {
+		return errors.New("invalid renter growth config")
+	}
+	byCode := make(map[string]LevelRule, len(cfg.Levels))
+	for _, level := range cfg.Levels {
+		level.Code = strings.TrimSpace(level.Code)
+		if _, exists := byCode[level.Code]; exists {
+			return errors.New("duplicate renter growth level")
+		}
+		byCode[level.Code] = level
+	}
+	var previous LevelRule
+	for index, fixed := range fixedLevels {
+		level, ok := byCode[fixed.Code]
+		if !ok || strings.TrimSpace(level.Name) != fixed.Name {
+			return errors.New("missing renter growth level")
+		}
+		if level.MinPoints < 0 || level.MinPoints > MaxLevelPoints || level.DiscountBps <= 0 || level.DiscountBps > DefaultDiscountBps || level.DepositFreeQuotaCent < 0 || level.DepositFreeQuotaCent > MaxLevelQuotaCent {
+			return errors.New("invalid renter growth level value")
+		}
+		if index == 0 {
+			if level.MinPoints != 0 || level.DiscountBps != DefaultDiscountBps || level.DepositFreeQuotaCent != 0 {
+				return errors.New("invalid normal renter growth level")
+			}
+			previous = level
+			continue
+		}
+		if level.MinPoints <= previous.MinPoints || level.DiscountBps > previous.DiscountBps || level.DepositFreeQuotaCent < previous.DepositFreeQuotaCent {
+			return errors.New("renter growth levels must increase")
+		}
+		previous = level
+	}
+	return nil
+}
+
 func ConfigForTx(tx *gorm.DB) (Config, error) {
 	cfg := DefaultConfig()
 	if tx == nil {
@@ -97,19 +202,26 @@ func SnapshotForUser(tx *gorm.DB, userID uint64) (DiscountSnapshot, error) {
 	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
 	}
+	manualQuotaCent := maxInt64(user.DepositFreeQuotaCent, 0)
+	snapshot.UserPoints = user.RenterGrowthPoints
+	snapshot.ManualDepositFreeQuotaCent = manualQuotaCent
+	snapshot.EffectiveDepositFreeQuotaCent = manualQuotaCent
+	if !cfg.Enabled {
+		return snapshot, nil
+	}
 	level := LevelForPoints(cfg, user.RenterGrowthPoints)
 	return DiscountSnapshot{
-		LevelCode:   level.Code,
-		LevelName:   level.Name,
-		DiscountBps: level.DiscountBps,
-		UserPoints:  user.RenterGrowthPoints,
+		LevelCode:                     level.Code,
+		LevelName:                     level.Name,
+		DiscountBps:                   level.DiscountBps,
+		UserPoints:                    user.RenterGrowthPoints,
+		LevelDepositFreeQuotaCent:     level.DepositFreeQuotaCent,
+		ManualDepositFreeQuotaCent:    manualQuotaCent,
+		EffectiveDepositFreeQuotaCent: addQuotaCent(level.DepositFreeQuotaCent, manualQuotaCent),
 	}, nil
 }
 
@@ -182,7 +294,7 @@ func AwardOrderCompleted(tx *gorm.DB, order *model.RentalOrder, actualRentCent i
 	now := time.Now()
 	ledger := model.RenterGrowthLedger{
 		UserID:       order.RenterID,
-		OrderID:      order.ID,
+		OrderID:      &order.ID,
 		Points:       points,
 		BeforePoints: beforePoints,
 		AfterPoints:  afterPoints,
@@ -224,6 +336,30 @@ func LevelForPoints(cfg Config, points int64) LevelRule {
 	return current
 }
 
+func EffectiveDepositFreeQuotaCent(levelQuotaCent int64, manualQuotaCent int64) int64 {
+	return addQuotaCent(levelQuotaCent, manualQuotaCent)
+}
+
+// SyncAllUserLevels 在等级门槛调整后同步用户表中的展示缓存，订单仍以积分实时计算为准。
+func SyncAllUserLevels(tx *gorm.DB, cfg Config) error {
+	if tx == nil {
+		return nil
+	}
+	if !cfg.Enabled {
+		return tx.Model(&model.User{}).Where("renter_growth_level <> ?", DefaultLevelCode).Update("renter_growth_level", DefaultLevelCode).Error
+	}
+	cfg = normalizeConfig(cfg)
+	caseSQL := "CASE"
+	args := make([]any, 0, len(cfg.Levels)*2+1)
+	for index := len(cfg.Levels) - 1; index >= 1; index-- {
+		caseSQL += " WHEN renter_growth_points >= ? THEN ?"
+		args = append(args, cfg.Levels[index].MinPoints, cfg.Levels[index].Code)
+	}
+	caseSQL += " ELSE ? END"
+	args = append(args, DefaultLevelCode)
+	return tx.Model(&model.User{}).Where("1 = 1").Update("renter_growth_level", gorm.Expr(caseSQL, args...)).Error
+}
+
 func normalizeConfig(cfg Config) Config {
 	defaultCfg := DefaultConfig()
 	if cfg.PointsPerYuan <= 0 {
@@ -249,6 +385,9 @@ func normalizeConfig(cfg Config) Config {
 		if level.DiscountBps <= 0 || level.DiscountBps > DefaultDiscountBps {
 			level.DiscountBps = DefaultDiscountBps
 		}
+		if level.DepositFreeQuotaCent < 0 {
+			level.DepositFreeQuotaCent = 0
+		}
 		if level.Code == DefaultLevelCode {
 			hasNormal = true
 			level.Name = DefaultLevelName
@@ -258,10 +397,11 @@ func normalizeConfig(cfg Config) Config {
 	}
 	if !hasNormal {
 		levels = append(levels, LevelRule{
-			Code:        DefaultLevelCode,
-			Name:        DefaultLevelName,
-			MinPoints:   0,
-			DiscountBps: DefaultDiscountBps,
+			Code:                 DefaultLevelCode,
+			Name:                 DefaultLevelName,
+			MinPoints:            0,
+			DiscountBps:          DefaultDiscountBps,
+			DepositFreeQuotaCent: 0,
 		})
 	}
 	sort.SliceStable(levels, func(i, j int) bool {
@@ -271,6 +411,36 @@ func normalizeConfig(cfg Config) Config {
 	return cfg
 }
 
+func defaultDepositFreeQuotaCent(code string) int64 {
+	switch strings.TrimSpace(code) {
+	case "platinum":
+		return DefaultPlatinumQuotaCent
+	case "diamond":
+		return DefaultDiamondQuotaCent
+	case "peak":
+		return DefaultPeakQuotaCent
+	default:
+		return 0
+	}
+}
+
+func addQuotaCent(left int64, right int64) int64 {
+	left = maxInt64(left, 0)
+	right = maxInt64(right, 0)
+	const maxInt64Value = int64(^uint64(0) >> 1)
+	if left > maxInt64Value-right {
+		return maxInt64Value
+	}
+	return left + right
+}
+
+func maxInt64(left int64, right int64) int64 {
+	if left > right {
+		return left
+	}
+	return right
+}
+
 func isMissingConfigTableError(err error) bool {
 	if err == nil {
 		return false

backend/internal/modules/rentergrowth/growth_test.go

@@ -1,12 +1,99 @@
 package rentergrowth
 
 import (
+	"encoding/json"
 	"testing"
 
 	"hfb_sys/backend/internal/database"
 	"hfb_sys/backend/internal/model"
 )
 
+func TestDefaultConfigIncludesDepositFreeQuota(t *testing.T) {
+	cfg := DefaultConfig()
+	wants := map[string]int64{
+		DefaultLevelCode: 0,
+		"platinum":       DefaultPlatinumQuotaCent,
+		"diamond":        DefaultDiamondQuotaCent,
+		"peak":           DefaultPeakQuotaCent,
+	}
+	for _, level := range cfg.Levels {
+		if level.DepositFreeQuotaCent != wants[level.Code] {
+			t.Fatalf("等级 %s 免押额度 = %d, want %d", level.Code, level.DepositFreeQuotaCent, wants[level.Code])
+		}
+	}
+}
+
+func TestLegacyConfigBackfillsQuotaButKeepsExplicitZero(t *testing.T) {
+	legacy := `{"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}]}`
+	cfg, err := ParseConfigValue(legacy)
+	if err != nil {
+		t.Fatalf("解析旧配置失败：%v", err)
+	}
+	if LevelForPoints(cfg, 300).DepositFreeQuotaCent != DefaultPlatinumQuotaCent {
+		t.Fatalf("旧配置未补齐铂金免押额度")
+	}
+
+	var raw map[string]any
+	if err := json.Unmarshal([]byte(legacy), &raw); err != nil {
+		t.Fatalf("解析测试 JSON 失败：%v", err)
+	}
+	levels := raw["levels"].([]any)
+	levels[1].(map[string]any)["deposit_free_quota_cent"] = float64(0)
+	explicitZero, err := json.Marshal(raw)
+	if err != nil {
+		t.Fatalf("生成测试配置失败：%v", err)
+	}
+	cfg, err = ParseConfigValue(string(explicitZero))
+	if err != nil {
+		t.Fatalf("解析显式零额度配置失败：%v", err)
+	}
+	if LevelForPoints(cfg, 300).DepositFreeQuotaCent != 0 {
+		t.Fatalf("显式配置的零额度被默认值覆盖")
+	}
+}
+
+func TestSnapshotCombinesLevelAndManualDepositQuota(t *testing.T) {
+	db := database.NewTestDB()
+	if err := db.AutoMigrate(&model.User{}, &model.SystemConfig{}); err != nil {
+		t.Fatalf("migrate failed: %v", err)
+	}
+	user := model.User{Phone: "13800009999", RenterGrowthPoints: 1000, DepositFreeQuotaCent: 30_000}
+	if err := db.Create(&user).Error; err != nil {
+		t.Fatalf("create user failed: %v", err)
+	}
+	snapshot, err := SnapshotForUser(db, user.ID)
+	if err != nil {
+		t.Fatalf("SnapshotForUser() error = %v", err)
+	}
+	if snapshot.LevelDepositFreeQuotaCent != DefaultDiamondQuotaCent || snapshot.ManualDepositFreeQuotaCent != 30_000 || snapshot.EffectiveDepositFreeQuotaCent != 130_000 {
+		t.Fatalf("免押额度快照不正确：%+v", snapshot)
+	}
+}
+
+func TestSyncAllUserLevelsUsesUpdatedThresholds(t *testing.T) {
+	db := database.NewTestDB()
+	if err := db.AutoMigrate(&model.User{}); err != nil {
+		t.Fatalf("migrate failed: %v", err)
+	}
+	users := []model.User{
+		{Phone: "13800009001", RenterGrowthPoints: 2000, RenterGrowthLevel: DefaultLevelCode},
+		{Phone: "13800009002", RenterGrowthPoints: 6000, RenterGrowthLevel: DefaultLevelCode},
+	}
+	if err := db.Create(&users).Error; err != nil {
+		t.Fatalf("create users failed: %v", err)
+	}
+	if err := SyncAllUserLevels(db, DefaultConfig()); err != nil {
+		t.Fatalf("SyncAllUserLevels() error = %v", err)
+	}
+	var saved []model.User
+	if err := db.Order("id ASC").Find(&saved).Error; err != nil {
+		t.Fatalf("find users failed: %v", err)
+	}
+	if saved[0].RenterGrowthLevel != "diamond" || saved[1].RenterGrowthLevel != "peak" {
+		t.Fatalf("同步后等级不正确：%s/%s", saved[0].RenterGrowthLevel, saved[1].RenterGrowthLevel)
+	}
+}
+
 func TestLevelForPointsStartsFromNormal(t *testing.T) {
 	cfg := DefaultConfig()
 	cases := []struct {

backend/internal/modules/systemconfig/repository.go

@@ -37,7 +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: rentergrowth.ConfigKey, Value: rentergrowth.DefaultConfigValue(), Description: "租客成长等级规则（积分门槛、租金折扣、等级免押额度）"},
 	{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"},
@@ -135,6 +135,9 @@ func (r *Repository) Update(ctx context.Context, actorID uint64, key string, req
 			if err := tx.Save(&row).Error; err != nil {
 				return err
 			}
+			if err := syncRenterGrowthLevels(tx, key, req.Value); err != nil {
+				return err
+			}
 			if err := appendAuditLog(tx, actorID, "system_config.update", row.ID, meta, map[string]any{
 				"key":    row.Key,
 				"before": before,
@@ -144,6 +147,9 @@ func (r *Repository) Update(ctx context.Context, actorID uint64, key string, req
 			}
 			return nil
 		}
+		if err := syncRenterGrowthLevels(tx, key, req.Value); err != nil {
+			return err
+		}
 		return appendAuditLog(tx, actorID, "system_config.create", row.ID, meta, map[string]any{
 			"key":   row.Key,
 			"value": row.Value,
@@ -156,6 +162,17 @@ func (r *Repository) Update(ctx context.Context, actorID uint64, key string, req
 	return &dto, nil
 }
 
+func syncRenterGrowthLevels(tx *gorm.DB, key string, value string) error {
+	if key != rentergrowth.ConfigKey {
+		return nil
+	}
+	cfg, err := rentergrowth.ParseConfigValue(value)
+	if err != nil {
+		return err
+	}
+	return rentergrowth.SyncAllUserLevels(tx, cfg)
+}
+
 func (r *Repository) ensureDefaults(ctx context.Context) error {
 	return r.db.WithContext(ctx).Transaction(func(tx *gorm.DB) error {
 		for _, item := range defaultConfigs {

backend/internal/modules/systemconfig/service_update.go

@@ -4,6 +4,8 @@ import (
 	"context"
 	"strconv"
 	"strings"
+
+	"hfb_sys/backend/internal/modules/rentergrowth"
 )
 
 func (s *Service) Update(ctx context.Context, actorID uint64, key string, req UpdateRequest, meta AuditMeta) (*ConfigDTO, error) {
@@ -19,5 +21,16 @@ func (s *Service) Update(ctx context.Context, actorID uint64, key string, req Up
 			return nil, ErrInvalidConfig
 		}
 	}
+	if key == rentergrowth.ConfigKey {
+		cfg, err := rentergrowth.ParseConfigValue(req.Value)
+		if err != nil {
+			return nil, ErrInvalidConfig
+		}
+		value, err := rentergrowth.MarshalConfig(cfg)
+		if err != nil {
+			return nil, ErrInvalidConfig
+		}
+		req.Value = value
+	}
 	return s.repo.Update(ctx, actorID, key, req, meta)
 }