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-monitor-admin/Dockerfile

@@ -0,0 +1,22 @@
+# 贝尔实验室 Spring 官方推荐镜像 JDK下载地址 https://bell-sw.com/pages/downloads/
+FROM bellsoft/liberica-openjdk-rocky:17.0.15-cds
+#FROM bellsoft/liberica-openjdk-rocky:21.0.7-cds
+#FROM findepi/graalvm:java17-native
+
+LABEL maintainer="Lion Li"
+
+RUN mkdir -p /ruoyi/monitor/logs
+
+WORKDIR /ruoyi/monitor
+
+ENV LANG=C.UTF-8 LC_ALL=C.UTF-8 JAVA_OPTS=""
+
+EXPOSE 9090
+
+ADD ./target/ruoyi-monitor-admin.jar ./app.jar
+
+SHELL ["/bin/bash", "-c"]
+
+ENTRYPOINT java -Djava.security.egd=file:/dev/./urandom \
+           -XX:+HeapDumpOnOutOfMemoryError -XX:+UseZGC ${JAVA_OPTS} \
+           -jar app.jar