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

.run/ruoyi-monitor-admin.run.xml

@@ -1,12 +0,0 @@
-<component name="ProjectRunConfigurationManager">
-  <configuration default="false" name="ruoyi-monitor-admin" type="docker-deploy" factoryName="dockerfile" server-name="Docker">
-    <deployment type="dockerfile">
-      <settings>
-        <option name="imageTag" value="ruoyi/ruoyi-monitor-admin:5.4.1" />
-        <option name="buildOnly" value="true" />
-        <option name="sourceFilePath" value="ruoyi-extend/ruoyi-monitor-admin/Dockerfile" />
-      </settings>
-    </deployment>
-    <method v="2" />
-  </configuration>
-</component>