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-modules/LCXiaoguan-businessdata/pom.xml

@@ -0,0 +1,63 @@
+<?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">
+    <modelVersion>4.0.0</modelVersion>
+    <parent>
+        <groupId>org.dromara</groupId>
+        <artifactId>LCXiaoguan-modules</artifactId>
+        <version>${revision}</version>
+    </parent>
+
+    <artifactId>LCXiaoguan-businessdata</artifactId>
+
+    <properties>
+        <maven.compiler.source>17</maven.compiler.source>
+        <maven.compiler.target>17</maven.compiler.target>
+        <project.build.sourceEncoding>UTF-8</project.build.sourceEncoding>
+    </properties>
+    <dependencies>
+        <dependency>
+            <groupId>org.projectlombok</groupId>
+            <artifactId>lombok</artifactId>
+        </dependency>
+        <dependency>
+            <groupId>jakarta.servlet</groupId>
+            <artifactId>jakarta.servlet-api</artifactId>
+        </dependency>
+        <dependency>
+            <groupId>cn.dev33</groupId>
+            <artifactId>sa-token-core</artifactId>
+        </dependency>
+        <dependency>
+            <groupId>org.springframework</groupId>
+            <artifactId>spring-context</artifactId>
+        </dependency>
+        <dependency>
+            <groupId>org.dromara</groupId>
+            <artifactId>LCXiaoguan-common-idempotent</artifactId>
+        </dependency>
+        <dependency>
+            <groupId>org.dromara</groupId>
+            <artifactId>LCXiaoguan-common-log</artifactId>
+        </dependency>
+        <dependency>
+            <groupId>org.dromara</groupId>
+            <artifactId>LCXiaoguan-common-web</artifactId>
+        </dependency>
+        <dependency>
+            <groupId>org.dromara</groupId>
+            <artifactId>LCXiaoguan-common-mybatis</artifactId>
+        </dependency>
+        <dependency>
+            <groupId>org.dromara</groupId>
+            <artifactId>LCXiaoguan-common-excel</artifactId>
+        </dependency>
+        <dependency>
+            <groupId>org.dromara</groupId>
+            <artifactId>LCXiaoguan-common-tenant</artifactId>
+        </dependency>
+    </dependencies>
+
+</project>
+