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-encrypt/pom.xml

@@ -0,0 +1,55 @@
+<?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-encrypt</artifactId>
+
+    <description>
+        LCXiaoguan-common-encrypt 数据加解密模<E5AF86>?
+    </description>
+
+    <dependencies>
+
+        <dependency>
+            <groupId>org.dromara</groupId>
+            <artifactId>LCXiaoguan-common-core</artifactId>
+        </dependency>
+
+        <dependency>
+            <groupId>org.bouncycastle</groupId>
+            <artifactId>bcprov-jdk15to18</artifactId>
+        </dependency>
+
+        <dependency>
+            <groupId>cn.hutool</groupId>
+            <artifactId>hutool-crypto</artifactId>
+        </dependency>
+
+        <dependency>
+            <groupId>org.springframework</groupId>
+            <artifactId>spring-webmvc</artifactId>
+        </dependency>
+
+        <dependency>
+            <groupId>com.baomidou</groupId>
+            <artifactId>mybatis-plus-spring-boot3-starter</artifactId>
+            <optional>true</optional>
+            <exclusions>
+                <exclusion>
+                    <groupId>org.mybatis</groupId>
+                    <artifactId>mybatis-spring</artifactId>
+                </exclusion>
+            </exclusions>
+        </dependency>
+
+    </dependencies>
+
+</project>
+