feat: 更新分期方案初始化脚本，匹配最新表结构

- 更新表名和字段名为小写格式
- 修正字段类型以匹配实体类定义
- 新增缺失字段：scheme_type, down_payment_ratio等
- 添加索引优化查询性能
- 完善表和字段注释

LCXiaoguan-common/LCXiaoguan-common-core/pom.xml

@@ -0,0 +1,100 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<project xmlns="http://maven.apache.org/POM/4.0.0"
+         xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
+         xsi:schemaLocation="http://maven.apache.org/POM/4.0.0 http://maven.apache.org/xsd/maven-4.0.0.xsd">
+    <parent>
+        <groupId>org.dromara</groupId>
+        <artifactId>LCXiaoguan-common</artifactId>
+        <version>${revision}</version>
+    </parent>
+    <modelVersion>4.0.0</modelVersion>
+
+    <artifactId>LCXiaoguan-common-core</artifactId>
+
+    <description>
+        LCXiaoguan-common-core core module
+    </description>
+
+    <dependencies>
+        <!-- Spring framework basic core tools -->
+        <dependency>
+            <groupId>org.springframework</groupId>
+            <artifactId>spring-context-support</artifactId>
+        </dependency>
+
+        <!-- Spring Web module -->
+        <dependency>
+            <groupId>org.springframework</groupId>
+            <artifactId>spring-web</artifactId>
+        </dependency>
+
+        <!-- Custom validation annotations -->
+        <dependency>
+            <groupId>org.springframework.boot</groupId>
+            <artifactId>spring-boot-starter-validation</artifactId>
+        </dependency>
+
+        <dependency>
+            <groupId>org.springframework.boot</groupId>
+            <artifactId>spring-boot-starter-aop</artifactId>
+        </dependency>
+
+        <!-- Common utilities -->
+        <dependency>
+            <groupId>org.apache.commons</groupId>
+            <artifactId>commons-lang3</artifactId>
+        </dependency>
+
+        <!-- servlet -->
+        <dependency>
+            <groupId>jakarta.servlet</groupId>
+            <artifactId>jakarta.servlet-api</artifactId>
+        </dependency>
+
+        <dependency>
+            <groupId>cn.hutool</groupId>
+            <artifactId>hutool-core</artifactId>
+        </dependency>
+
+        <dependency>
+            <groupId>cn.hutool</groupId>
+            <artifactId>hutool-http</artifactId>
+        </dependency>
+
+        <dependency>
+            <groupId>cn.hutool</groupId>
+            <artifactId>hutool-extra</artifactId>
+        </dependency>
+
+        <dependency>
+            <groupId>org.projectlombok</groupId>
+            <artifactId>lombok</artifactId>
+        </dependency>
+
+        <!-- Auto-generate YML configuration associated JSON files -->
+        <dependency>
+            <groupId>org.springframework.boot</groupId>
+            <artifactId>spring-boot-configuration-processor</artifactId>
+        </dependency>
+
+        <dependency>
+            <groupId>org.springframework.boot</groupId>
+            <artifactId>spring-boot-properties-migrator</artifactId>
+            <scope>runtime</scope>
+        </dependency>
+
+        <dependency>
+            <groupId>io.github.linpeilie</groupId>
+            <artifactId>mapstruct-plus-spring-boot-starter</artifactId>
+        </dependency>
+
+        <!-- Offline IP address location library -->
+        <dependency>
+            <groupId>org.lionsoul</groupId>
+            <artifactId>ip2region</artifactId>
+        </dependency>
+
+    </dependencies>
+
+</project>
+