diff --git a/doc/db-index-optimization.sql b/doc/db-index-optimization.sql
new file mode 100644
index 0000000..275995a
--- /dev/null
+++ b/doc/db-index-optimization.sql
@@ -0,0 +1,137 @@
+-- =====================================================
+-- 资金平台数据库索引优化SQL
+-- 执行说明: 根据实际查询场景选择执行
+-- =====================================================
+
+-- 使用fund_sys数据库
+USE fund_sys;
+
+-- =====================================================
+-- 用户表索引
+-- =====================================================
+
+-- 用户名唯一索引(已存在可跳过)
+CREATE UNIQUE INDEX IF NOT EXISTS idx_sys_user_username ON sys_user(username);
+
+-- 租户ID索引(多租户查询)
+CREATE INDEX IF NOT EXISTS idx_sys_user_tenant_id ON sys_user(tenant_id);
+
+-- 部门ID索引(按部门查询用户)
+CREATE INDEX IF NOT EXISTS idx_sys_user_dept_id ON sys_user(dept_id);
+
+-- 状态索引(查询启用/禁用用户)
+CREATE INDEX IF NOT EXISTS idx_sys_user_status ON sys_user(status);
+
+-- 创建时间索引(按时间范围查询)
+CREATE INDEX IF NOT EXISTS idx_sys_user_created_time ON sys_user(created_time);
+
+-- 复合索引: 租户+状态(常用查询组合)
+CREATE INDEX IF NOT EXISTS idx_sys_user_tenant_status ON sys_user(tenant_id, status);
+
+-- =====================================================
+-- 角色表索引
+-- =====================================================
+
+CREATE INDEX IF NOT EXISTS idx_sys_role_tenant_id ON sys_role(tenant_id);
+CREATE INDEX IF NOT EXISTS idx_sys_role_status ON sys_role(status);
+
+-- =====================================================
+-- 菜单表索引
+-- =====================================================
+
+CREATE INDEX IF NOT EXISTS idx_sys_menu_parent_id ON sys_menu(parent_id);
+CREATE INDEX IF NOT EXISTS idx_sys_menu_type ON sys_menu(type);
+CREATE INDEX IF NOT EXISTS idx_sys_menu_sort ON sys_menu(sort);
+
+-- =====================================================
+-- 部门表索引
+-- =====================================================
+
+CREATE INDEX IF NOT EXISTS idx_sys_dept_parent_id ON sys_dept(parent_id);
+CREATE INDEX IF NOT EXISTS idx_sys_dept_tenant_id ON sys_dept(tenant_id);
+
+-- =====================================================
+-- 用户角色关联表索引
+-- =====================================================
+
+CREATE INDEX IF NOT EXISTS idx_sys_user_role_user_id ON sys_user_role(user_id);
+CREATE INDEX IF NOT EXISTS idx_sys_user_role_role_id ON sys_user_role(role_id);
+
+-- =====================================================
+-- 角色菜单关联表索引
+-- =====================================================
+
+CREATE INDEX IF NOT EXISTS idx_sys_role_menu_role_id ON sys_role_menu(role_id);
+CREATE INDEX IF NOT EXISTS idx_sys_role_menu_menu_id ON sys_role_menu(menu_id);
+
+-- =====================================================
+-- 操作日志表索引
+-- =====================================================
+
+CREATE INDEX IF NOT EXISTS idx_sys_log_user_id ON sys_log(user_id);
+CREATE INDEX IF NOT EXISTS idx_sys_log_tenant_id ON sys_log(tenant_id);
+CREATE INDEX IF NOT EXISTS idx_sys_log_operation ON sys_log(operation);
+CREATE INDEX IF NOT EXISTS idx_sys_log_created_time ON sys_log(created_time);
+-- 复合索引: 租户+时间(常用日志查询)
+CREATE INDEX IF NOT EXISTS idx_sys_log_tenant_time ON sys_log(tenant_id, created_time);
+
+
+-- =====================================================
+-- 使用fund_req数据库(用款申请)
+-- =====================================================
+
+USE fund_req;
+
+-- 用款申请表索引
+CREATE INDEX IF NOT EXISTS idx_fund_request_tenant_id ON fund_request(tenant_id);
+CREATE INDEX IF NOT EXISTS idx_fund_request_user_id ON fund_request(user_id);
+CREATE INDEX IF NOT EXISTS idx_fund_request_status ON fund_request(status);
+CREATE INDEX IF NOT EXISTS idx_fund_request_created_time ON fund_request(created_time);
+CREATE INDEX IF NOT EXISTS idx_fund_request_project_id ON fund_request(project_id);
+-- 复合索引: 租户+状态+时间(审批列表查询)
+CREATE INDEX IF NOT EXISTS idx_fund_request_tenant_status_time ON fund_request(tenant_id, status, created_time);
+
+
+-- =====================================================
+-- 使用fund_exp数据库(支出管理)
+-- =====================================================
+
+USE fund_exp;
+
+-- 支出表索引
+CREATE INDEX IF NOT EXISTS idx_fund_expense_tenant_id ON fund_expense(tenant_id);
+CREATE INDEX IF NOT EXISTS idx_fund_expense_request_id ON fund_expense(request_id);
+CREATE INDEX IF NOT EXISTS idx_fund_expense_status ON fund_expense(status);
+CREATE INDEX IF NOT EXISTS idx_fund_expense_created_time ON fund_expense(created_time);
+-- 复合索引: 租户+支付状态
+CREATE INDEX IF NOT EXISTS idx_fund_expense_tenant_status ON fund_expense(tenant_id, status);
+
+
+-- =====================================================
+-- 使用fund_receipt数据库(收款管理)
+-- =====================================================
+
+USE fund_receipt;
+
+-- 收款表索引
+CREATE INDEX IF NOT EXISTS idx_fund_receipt_tenant_id ON fund_receipt(tenant_id);
+CREATE INDEX IF NOT EXISTS idx_fund_receipt_project_id ON fund_receipt(project_id);
+CREATE INDEX IF NOT EXISTS idx_fund_receipt_status ON fund_receipt(status);
+CREATE INDEX IF NOT EXISTS idx_fund_receipt_created_time ON fund_receipt(created_time);
+-- 复合索引: 租户+确认状态
+CREATE INDEX IF NOT EXISTS idx_fund_receipt_tenant_status ON fund_receipt(tenant_id, status);
+
+
+-- =====================================================
+-- 分析慢查询(可选)
+-- =====================================================
+
+-- 查看表的索引情况
+-- SHOW INDEX FROM sys_user;
+
+-- 分析查询执行计划
+-- EXPLAIN SELECT * FROM sys_user WHERE tenant_id = 1 AND status = 1;
+
+-- 查看慢查询日志(需要开启慢查询日志)
+-- SHOW VARIABLES LIKE 'slow_query_log';
+-- SHOW VARIABLES LIKE 'long_query_time';
diff --git a/fund-sys/pom.xml b/fund-sys/pom.xml
index cf30c06..f1f01a7 100644
--- a/fund-sys/pom.xml
+++ b/fund-sys/pom.xml
@@ -41,6 +41,13 @@
             <artifactId>mysql-connector-j</artifactId>
         </dependency>
 
+        <!-- ShardingSphere 读写分离 -->
+        <dependency>
+            <groupId>org.apache.shardingsphere</groupId>
+            <artifactId>shardingsphere-jdbc-core</artifactId>
+            <version>5.4.1</version>
+        </dependency>
+
         <!-- HikariCP -->
         <dependency>
             <groupId>com.zaxxer</groupId>
@@ -80,6 +87,31 @@
             <groupId>org.springframework.security</groupId>
             <artifactId>spring-security-crypto</artifactId>
         </dependency>
+
+        <!-- Nacos服务注册发现 -->
+        <dependency>
+            <groupId>com.alibaba.cloud</groupId>
+            <artifactId>spring-cloud-starter-alibaba-nacos-discovery</artifactId>
+        </dependency>
+
+        <!-- Nacos配置中心 -->
+        <dependency>
+            <groupId>com.alibaba.cloud</groupId>
+            <artifactId>spring-cloud-starter-alibaba-nacos-config</artifactId>
+        </dependency>
+
+        <!-- Spring Cloud Bootstrap (用于配置中心) -->
+        <dependency>
+            <groupId>org.springframework.cloud</groupId>
+            <artifactId>spring-cloud-starter-bootstrap</artifactId>
+        </dependency>
+
+        <!-- Logstash Logback Encoder (用于ELK) -->
+        <dependency>
+            <groupId>net.logstash.logback</groupId>
+            <artifactId>logstash-logback-encoder</artifactId>
+            <version>7.4</version>
+        </dependency>
     </dependencies>
 
     <build>
diff --git a/fund-sys/src/main/java/com/fundplatform/sys/config/DynamicConfig.java b/fund-sys/src/main/java/com/fundplatform/sys/config/DynamicConfig.java
new file mode 100644
index 0000000..e708f04
--- /dev/null
+++ b/fund-sys/src/main/java/com/fundplatform/sys/config/DynamicConfig.java
@@ -0,0 +1,28 @@
+package com.fundplatform.sys.config;
+
+import org.springframework.beans.factory.annotation.Value;
+import org.springframework.cloud.context.config.annotation.RefreshScope;
+import org.springframework.context.annotation.Configuration;
+
+/**
+ * 动态配置示例
+ * 通过Nacos配置中心动态刷新配置
+ */
+@Configuration
+@RefreshScope
+public class DynamicConfig {
+
+    @Value("${app.feature.switch:false}")
+    private Boolean featureSwitch;
+
+    @Value("${app.max-request-size:10MB}")
+    private String maxRequestSize;
+
+    public Boolean isFeatureEnabled() {
+        return featureSwitch;
+    }
+
+    public String getMaxRequestSize() {
+        return maxRequestSize;
+    }
+}
diff --git a/fund-sys/src/main/resources/bootstrap.yaml b/fund-sys/src/main/resources/bootstrap.yaml
new file mode 100644
index 0000000..a4a5399
--- /dev/null
+++ b/fund-sys/src/main/resources/bootstrap.yaml
@@ -0,0 +1,23 @@
+spring:
+  application:
+    name: fund-sys
+  cloud:
+    nacos:
+      # Nacos配置中心
+      config:
+        server-addr: localhost:8848
+        namespace: fund-platform
+        group: DEFAULT_GROUP
+        file-extension: yaml
+        # 共享配置
+        shared-configs:
+          - data-id: common.yaml
+            group: DEFAULT_GROUP
+            refresh: true
+        # 动态刷新
+        refresh-enabled: true
+      # Nacos服务发现
+      discovery:
+        server-addr: localhost:8848
+        namespace: fund-platform
+        group: DEFAULT_GROUP
diff --git a/fund-sys/src/main/resources/sharding-config.yaml b/fund-sys/src/main/resources/sharding-config.yaml
new file mode 100644
index 0000000..03dc5c6
--- /dev/null
+++ b/fund-sys/src/main/resources/sharding-config.yaml
@@ -0,0 +1,49 @@
+# =====================================================
+# ShardingSphere 读写分离配置示例
+# 生产环境使用时取消注释并修改为实际的数据库地址
+# =====================================================
+
+#spring:
+#  datasource:
+#    driver-class-name: org.apache.shardingsphere.driver.ShardingSphereDriver
+#    url: jdbc:shardingsphere:classpath:sharding-config.yaml
+
+# =====================================================
+# sharding-config.yaml (放在resources目录下)
+# =====================================================
+#mode:
+#  type: Standalone
+#  repository:
+#    type: JDBC
+#
+#dataSources:
+#  ds_master:
+#    dataSourceClassName: com.zaxxer.hikari.HikariDataSource
+#    driverClassName: com.mysql.cj.jdbc.Driver
+#    jdbcUrl: jdbc:mysql://master-host:3306/fund_sys?useUnicode=true&characterEncoding=utf8&serverTimezone=Asia/Shanghai
+#    username: root
+#    password: zjf@123456
+#  ds_slave_0:
+#    dataSourceClassName: com.zaxxer.hikari.HikariDataSource
+#    driverClassName: com.mysql.cj.jdbc.Driver
+#    jdbcUrl: jdbc:mysql://slave-host:3306/fund_sys?useUnicode=true&characterEncoding=utf8&serverTimezone=Asia/Shanghai
+#    username: root
+#    password: zjf@123456
+#
+#rules:
+#  - !READWRITE_SPLITTING
+#    dataSources:
+#      readwrite_ds:
+#        writeDataSourceName: ds_master
+#        readDataSourceNames:
+#          - ds_slave_0
+#        transactionalReadQueryStrategy: PRIMARY
+#        loadBalancerName: round_robin
+#    loadBalancers:
+#      round_robin:
+#        type: ROUND_ROBIN
+#        props:
+#          default: 0
+#
+#props:
+#  sql-show: true