docs(database): 更新数据库设计规范和核心数据表结构

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- 新增数据库基础规范、API映射规范、安全规范等详细设计要求- 增加读写分离、分库分表、数据生命周期管理等策略说明
- 新建核心业务表结构，包括用户表、贷款申请表、保险申请表等
- 优化索引设计，提高查询效率

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mapleaf

2025-08-19 22:04:18 +08:00

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commit 47c67ff704

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