I don't know if update version of discuz can do "insert image in the text" etc.

But here is the example of a good rich text editor (submit text area we are using to post here is another rich text editor too.) which can do more than that.

http://tinymce.moxiecode.com/example_full.php?example=true

Thesunlover can check this out.

谢谢海雨。
我把这个放入伊甸指南：http://www.yidian.org/viewthread.php?tid=1125&page=1.html