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-extend/LCXiaoguan-snailjob-server/pom.xml

@@ -0,0 +1,59 @@
+<?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-extend</artifactId>
+        <version>${revision}</version>
+    </parent>
+    <modelVersion>4.0.0</modelVersion>
+    <packaging>jar</packaging>
+    <artifactId>LCXiaoguan-snailjob-server</artifactId>
+
+    <dependencies>
+        <dependency>
+            <groupId>com.aizuda</groupId>
+            <artifactId>snail-job-server-starter</artifactId>
+            <version>${snailjob.version}</version>
+            <exclusions>
+                <exclusion>
+                    <groupId>org.scala-lang</groupId>
+                    <artifactId>scala-library</artifactId>
+                </exclusion>
+            </exclusions>
+        </dependency>
+
+        <dependency>
+            <groupId>org.scala-lang</groupId>
+            <artifactId>scala-library</artifactId>
+            <version>2.13.9</version>
+        </dependency>
+
+        <dependency>
+            <groupId>de.codecentric</groupId>
+            <artifactId>spring-boot-admin-starter-client</artifactId>
+            <version>${spring-boot-admin.version}</version>
+        </dependency>
+    </dependencies>
+
+    <build>
+        <finalName>${project.artifactId}</finalName>
+        <plugins>
+            <plugin>
+                <groupId>org.springframework.boot</groupId>
+                <artifactId>spring-boot-maven-plugin</artifactId>
+                <version>${spring-boot.version}</version>
+                <executions>
+                    <execution>
+                        <goals>
+                            <goal>repackage</goal>
+                        </goals>
+                    </execution>
+                </executions>
+            </plugin>
+        </plugins>
+    </build>
+
+</project>
+