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-ui/tsconfig.json

@@ -0,0 +1,35 @@
+{
+  "$schema": "https://json.schemastore.org/tsconfig",
+  "compilerOptions": {
+    "baseUrl": ".",
+    // https://vite.dev/config/build-options.html#build-target
+    "target": "ES2020",
+    "module": "ESNext",
+    "moduleResolution": "Bundler",
+    "lib": ["ESNext", "DOM", "DOM.Iterable"],
+    "skipLibCheck": true,
+    // This setting lets you specify a file for storing incremental compilation information as a part of composite projects which enables faster building of larger TypeScript codebases.
+    "tsBuildInfoFile": "./node_modules/.tmp/tsconfig.tsbuildinfo",
+    "strict": true,
+    "allowJs": true,
+    "jsx": "preserve",
+    "sourceMap": true,
+    "resolveJsonModule": true,
+    "esModuleInterop": true,
+    "noEmit": true,
+    "paths": {
+      "@/*": ["./src/*"]
+    },
+    "types": ["node", "vite/client"],
+    // 自定义配置
+    "noImplicitAny": false, // 禁用 隐式的any错误
+    "removeComments": true, // 移除 ts注释
+    "experimentalDecorators": true, // 启用实验性的装饰器支持
+    "strictFunctionTypes": false, // 禁用严格函数类型检查
+    "strictNullChecks": false, // 禁用严格的空值检查
+    "allowSyntheticDefaultImports": true, // 允许默认导入
+    "forceConsistentCasingInFileNames": true // 强制在文件名中使用一致的大小写
+  },
+  "include": ["src/**/*.ts", "src/**/*.vue", "vite.config.ts", "vitest.config.ts", "eslint.config.ts", "**/*.d.ts", "env.d.ts"],
+  "exclude": ["node_modules", "dist", "src/**/__tests__/*"]
+}