diff --git a/alembic/versions/055_cover_templates.py b/alembic/versions/055_cover_templates.py
new file mode 100644
index 000000000..f126c255a
--- /dev/null
+++ b/alembic/versions/055_cover_templates.py
@@ -0,0 +1,84 @@
+"""封面模板表 cover_templates
+
+Revision ID: 055_cover_templates
+Revises: 054_confirm_gen_fields
+Create Date: 2026-08-09
+
+Changes:
+1. 新建 cover_templates 表，支持系统预置和用户自定义封面模板
+2. user_id 为 NULL 表示系统模板，is_system 标记区分
+3. config 为 JSON 字段，存储封面配置信息
+"""
+
+import json
+
+import sqlalchemy as sa
+
+from alembic import context, op
+
+revision = "055_cover_templates"
+down_revision = "054_confirm_gen_fields"
+branch_labels = None
+depends_on = None
+
+SYSTEM_TEMPLATES = [
+    ("a8b0120fd98e44788f5a6590f983d327", "默认模板", {}),
+    ("6d8c501b11424432b3df3a45ae89b1a9", "大胆红", {"background_color": "#ef4444"}),
+    ("04937fb57fea4bad95e7883e71a6b246", "优雅黑", {"background_color": "#111827"}),
+    ("3ff9cc821174437ca53931073e7f536e", "渐变蓝", {"background_color": "#3b82f6"}),
+    ("db51b3ea8f1a4f4caa94bf2d51f27d11", "渐变紫", {"background_color": "#8b5cf6"}),
+    ("5027d113432a4f798a3b4ee1644d66af", "暖橙", {"background_color": "#f97316"}),
+    ("0e10def2b5a148d686416494474726c2", "清新绿", {"background_color": "#22c55e"}),
+    ("38ea98ac00c04bada064006d880546f0", "科技蓝", {"background_color": "#06b6d4"}),
+]
+
+
+def upgrade() -> None:
+    conn = op.get_bind()
+    if context.get_context().dialect.name == "postgresql":
+        result = conn.execute(sa.text("SELECT to_regclass('public.cover_templates')"))
+        if result.scalar() is not None:
+            return
+
+    op.create_table(
+        "cover_templates",
+        sa.Column("id", sa.String(36), primary_key=True),
+        sa.Column("user_id", sa.String(36), nullable=True, index=True),
+        sa.Column("name", sa.String(200), nullable=False),
+        sa.Column("thumbnail_url", sa.String(1000), nullable=False, server_default=""),
+        sa.Column("is_system", sa.Boolean, nullable=False, server_default=sa.false(), index=True),
+        sa.Column("config", sa.JSON, nullable=False, server_default="{}"),
+        sa.Column("created_at", sa.DateTime(timezone=True), nullable=False, server_default=sa.func.now()),
+        sa.Column("updated_at", sa.DateTime(timezone=True), nullable=False, server_default=sa.func.now()),
+    )
+
+    # 预置系统模板 seed 数据
+    cover_templates = sa.table(
+        "cover_templates",
+        sa.column("id", sa.String),
+        sa.column("user_id", sa.String),
+        sa.column("name", sa.String),
+        sa.column("thumbnail_url", sa.String),
+        sa.column("is_system", sa.Boolean),
+        sa.column("config", sa.JSON),
+        sa.column("created_at", sa.DateTime),
+        sa.column("updated_at", sa.DateTime),
+    )
+
+    for tid, name, config in SYSTEM_TEMPLATES:
+        conn.execute(
+            cover_templates.insert().values(
+                id=tid,
+                user_id=None,
+                name=name,
+                thumbnail_url="",
+                is_system=True,
+                config=json.dumps(config),
+                created_at=sa.func.now(),
+                updated_at=sa.func.now(),
+            )
+        )
+
+
+def downgrade() -> None:
+    op.drop_table("cover_templates")
diff --git a/apps/api/app/api/router.py b/apps/api/app/api/router.py
index b5108ce50..517063242 100755
--- a/apps/api/app/api/router.py
+++ b/apps/api/app/api/router.py
@@ -5,6 +5,7 @@ from app.api.routes.assets import router as assets_router
 from app.api.routes.auth import router as auth_router
 from app.api.routes.chunked_upload import router as chunked_upload_router
 from app.api.routes.classification_jobs import router as classification_jobs_router
+from app.api.routes.cover_templates import router as cover_templates_router
 from app.api.routes.duplication import router as duplication_router
 from app.api.routes.feature_flags import router as feature_flags_router
 from app.api.routes.generation_preview import router as generation_preview_router
@@ -45,6 +46,10 @@ api_router.include_router(
     prefix="/tags",
     tags=["Tag"],
 )
+api_router.include_router(
+    cover_templates_router,
+    tags=["CoverTemplate"],
+)
 api_router.include_router(
     task_center_router,
     tags=["TaskCenter"],
diff --git a/apps/api/app/api/routes/cover_templates.py b/apps/api/app/api/routes/cover_templates.py
new file mode 100644
index 000000000..7f2c3b80b
--- /dev/null
+++ b/apps/api/app/api/routes/cover_templates.py
@@ -0,0 +1,134 @@
+"""封面模板 CRUD 路由。
+
+API:
+  GET    /api/v1/cover-templates       - 列出当前用户可见的模板
+  POST   /api/v1/cover-templates       - 创建自定义模板
+  PUT    /api/v1/cover-templates/{id}  - 更新模板
+  DELETE /api/v1/cover-templates/{id}  - 删除自定义模板（系统模板不可删）
+"""
+
+
+import logging
+from typing import Any
+
+from app.auth import AuthenticatedUser, get_current_user
+from app.dependencies import get_cover_template_repository
+from app.schemas.cover_template import (
+    CoverTemplateResponse,
+    CreateCoverTemplateRequest,
+    ListCoverTemplatesResponse,
+    UpdateCoverTemplateRequest,
+)
+from fastapi import APIRouter, Depends, HTTPException, Response
+
+from packages.domain.cover_template import CoverTemplate
+
+logger = logging.getLogger(__name__)
+
+router = APIRouter(prefix="/cover-templates", tags=["CoverTemplate"])
+
+
+@router.get("", response_model=ListCoverTemplatesResponse)
+def list_cover_templates(
+    skip: int = 0,
+    limit: int = 100,
+    authenticated_user: AuthenticatedUser = Depends(get_current_user),
+    repo: Any = Depends(get_cover_template_repository),
+) -> ListCoverTemplatesResponse:
+    """列出当前用户可见的封面模板（系统模板 + 用户自定义模板）。"""
+    user_id = authenticated_user.user.id
+    items = repo.list_for_user(user_id, skip=skip, limit=limit)
+    total = repo.count_for_user(user_id)
+    return ListCoverTemplatesResponse(
+        items=[
+            CoverTemplateResponse(
+                id=t.id,
+                name=t.name,
+                thumbnail_url=t.thumbnail_url,
+                is_system=t.is_system,
+                created_at=t.created_at,
+                config=t.config,
+            )
+            for t in items
+        ],
+        total=total,
+    )
+
+
+@router.post("", response_model=CoverTemplateResponse, status_code=201)
+def create_cover_template(
+    request: CreateCoverTemplateRequest,
+    authenticated_user: AuthenticatedUser = Depends(get_current_user),
+    repo: Any = Depends(get_cover_template_repository),
+) -> CoverTemplateResponse:
+    """创建用户自定义封面模板。"""
+    user_id = authenticated_user.user.id
+    config_dict = request.config.model_dump() if request.config else {}
+    template = CoverTemplate.create_user(
+        user_id=user_id,
+        name=request.name,
+        config=config_dict,
+        thumbnail_url=request.thumbnail_url,
+    )
+    created = repo.create(template)
+    return CoverTemplateResponse(
+        id=created.id,
+        name=created.name,
+        thumbnail_url=created.thumbnail_url,
+        is_system=created.is_system,
+        created_at=created.created_at,
+        config=created.config,
+    )
+
+
+@router.put("/{template_id}", response_model=CoverTemplateResponse)
+def update_cover_template(
+    template_id: str,
+    request: UpdateCoverTemplateRequest,
+    authenticated_user: AuthenticatedUser = Depends(get_current_user),
+    repo: Any = Depends(get_cover_template_repository),
+) -> CoverTemplateResponse:
+    """更新封面模板（仅允许更新自己的模板）。"""
+    user_id = authenticated_user.user.id
+    template = repo.get(template_id)
+    if template is None:
+        raise HTTPException(status_code=404, detail="模板不存在")
+    if template.is_system:
+        raise HTTPException(status_code=403, detail="系统模板不可修改")
+    if template.user_id != user_id:
+        raise HTTPException(status_code=403, detail="无权修改该模板")
+
+    if request.name is not None:
+        template.update(name=request.name)
+    if request.config is not None:
+        template.update(config=request.config.model_dump())
+    if request.thumbnail_url is not None:
+        template.update(thumbnail_url=request.thumbnail_url)
+
+    updated = repo.update(template)
+    return CoverTemplateResponse(
+        id=updated.id,
+        name=updated.name,
+        thumbnail_url=updated.thumbnail_url,
+        is_system=updated.is_system,
+        created_at=updated.created_at,
+        config=updated.config,
+    )
+
+
+@router.delete("/{template_id}", status_code=204, response_class=Response)
+def delete_cover_template(
+    template_id: str,
+    authenticated_user: AuthenticatedUser = Depends(get_current_user),
+    repo: Any = Depends(get_cover_template_repository),
+) -> None:
+    """删除用户自定义封面模板（系统模板不可删除）。"""
+    user_id = authenticated_user.user.id
+    template = repo.get(template_id)
+    if template is None:
+        raise HTTPException(status_code=404, detail="模板不存在")
+    if template.is_system:
+        raise HTTPException(status_code=403, detail="系统模板不可删除")
+    if template.user_id != user_id:
+        raise HTTPException(status_code=403, detail="无权删除该模板")
+    repo.delete(template_id)
diff --git a/apps/api/app/dependencies.py b/apps/api/app/dependencies.py
index 8a7aaccf6..682d62699 100644
--- a/apps/api/app/dependencies.py
+++ b/apps/api/app/dependencies.py
@@ -22,6 +22,9 @@ from packages.adapters.sqlalchemy_impl.asset_repository import SQLAlchemyAssetRe
 from packages.adapters.sqlalchemy_impl.classification_job_repository import (
     SQLAlchemyClassificationJobRepository,
 )
+from packages.adapters.sqlalchemy_impl.cover_template_repository import (
+    SQLAlchemyCoverTemplateRepository,
+)
 from packages.adapters.sqlalchemy_impl.duplication_repository import (
     SQLAlchemyDuplicationRecordRepository,
 )
@@ -128,6 +131,13 @@ def get_project_repository(
     return SQLAlchemyProjectRepository(session)
 
 
+def get_cover_template_repository(
+    session: Session = Depends(get_db_session),
+) -> SQLAlchemyCoverTemplateRepository:
+    """Provide the SQLAlchemy cover template repository implementation."""
+    return SQLAlchemyCoverTemplateRepository(session)
+
+
 def get_tag_repository(
     session: Session = Depends(get_db_session),
 ) -> TagRepository:
diff --git a/apps/api/app/schemas/cover_template.py b/apps/api/app/schemas/cover_template.py
new file mode 100644
index 000000000..9b113b01d
--- /dev/null
+++ b/apps/api/app/schemas/cover_template.py
@@ -0,0 +1,54 @@
+"""封面模板 Schema。"""
+
+from datetime import datetime
+from typing import Any
+
+from pydantic import BaseModel, Field
+
+
+class CoverTemplateConfig(BaseModel):
+    """封面模板配置。"""
+
+    background_enabled: bool = Field(default=True, description="是否启用背景")
+    background_color: str = Field(default="#000000", description="背景颜色")
+    portrait_enabled: bool = Field(default=True, description="是否显示人像")
+    title_text: str = Field(default="", description="主标题文字")
+    subtitle_text: str = Field(default="", description="副标题文字")
+    mask_enabled: bool = Field(default=False, description="是否启用蒙版")
+
+
+class CreateCoverTemplateRequest(BaseModel):
+    """创建封面模板请求。"""
+
+    name: str = Field(..., min_length=1, max_length=200, description="模板名称")
+    thumbnail_url: str = Field(default="", description="缩略图 URL")
+    config: CoverTemplateConfig | None = Field(default=None, description="模板配置")
+
+
+class UpdateCoverTemplateRequest(BaseModel):
+    """更新封面模板请求。"""
+
+    name: str | None = Field(default=None, min_length=1, max_length=200, description="模板名称")
+    thumbnail_url: str | None = Field(default=None, description="缩略图 URL")
+    config: CoverTemplateConfig | None = Field(default=None, description="模板配置")
+
+
+class CoverTemplateResponse(BaseModel):
+    """封面模板响应。"""
+
+    id: str
+    name: str
+    thumbnail_url: str
+    is_system: bool
+    created_at: datetime
+    config: dict[str, Any] = Field(default_factory=dict)
+
+    class Config:
+        from_attributes = True
+
+
+class ListCoverTemplatesResponse(BaseModel):
+    """封面模板列表响应。"""
+
+    items: list[CoverTemplateResponse]
+    total: int = Field(default=0, ge=0)
diff --git a/packages/adapters/in_memory/cover_template_repository.py b/packages/adapters/in_memory/cover_template_repository.py
new file mode 100644
index 000000000..b42659886
--- /dev/null
+++ b/packages/adapters/in_memory/cover_template_repository.py
@@ -0,0 +1,41 @@
+"""封面模板 InMemory 仓储实现。"""
+
+from packages.domain.cover_template import CoverTemplate
+
+
+class InMemoryCoverTemplateRepository:
+    """内存中的封面模板仓储，用于测试。"""
+
+    def __init__(self) -> None:
+        self._templates: dict[str, CoverTemplate] = {}
+
+    def create(self, template: CoverTemplate) -> CoverTemplate:
+        self._templates[template.id] = template
+        return template
+
+    def get(self, template_id: str) -> CoverTemplate | None:
+        return self._templates.get(template_id)
+
+    def list_for_user(self, user_id: str, skip: int = 0, limit: int = 100) -> list[CoverTemplate]:
+        """列出系统模板 + 用户自己的模板。"""
+        visible = [t for t in self._templates.values() if t.is_system or t.user_id == user_id]
+        visible.sort(key=lambda t: (t.is_system, t.created_at), reverse=True)
+        return visible[skip : skip + limit]
+
+    def count_for_user(self, user_id: str) -> int:
+        return sum(1 for t in self._templates.values() if t.is_system or t.user_id == user_id)
+
+    def update(self, template: CoverTemplate) -> CoverTemplate:
+        if template.id not in self._templates:
+            raise ValueError(f"模板 {template.id} 不存在")
+        self._templates[template.id] = template
+        return template
+
+    def delete(self, template_id: str) -> bool:
+        if template_id in self._templates:
+            del self._templates[template_id]
+            return True
+        return False
+
+    def list_system_templates(self) -> list[CoverTemplate]:
+        return [t for t in self._templates.values() if t.is_system]
diff --git a/packages/adapters/sqlalchemy_impl/cover_template_repository.py b/packages/adapters/sqlalchemy_impl/cover_template_repository.py
new file mode 100644
index 000000000..15c492271
--- /dev/null
+++ b/packages/adapters/sqlalchemy_impl/cover_template_repository.py
@@ -0,0 +1,105 @@
+"""封面模板 SQLAlchemy 仓储实现。"""
+
+from sqlalchemy import or_
+from sqlalchemy.orm import Session
+
+from packages.adapters.sqlalchemy_impl.models import CoverTemplateModel
+from packages.domain.cover_template import CoverTemplate
+
+
+class SQLAlchemyCoverTemplateRepository:
+    """封面模板仓储实现。"""
+
+    def __init__(self, session: Session):
+        self.session = session
+
+    def create(self, template: CoverTemplate) -> CoverTemplate:
+        model = CoverTemplateModel(
+            id=template.id,
+            user_id=template.user_id,
+            name=template.name,
+            thumbnail_url=template.thumbnail_url,
+            is_system=template.is_system,
+            config=template.config,
+            created_at=template.created_at,
+            updated_at=template.updated_at,
+        )
+        self.session.add(model)
+        self.session.commit()
+        return template
+
+    def get(self, template_id: str) -> CoverTemplate | None:
+        model = self.session.query(CoverTemplateModel).filter(CoverTemplateModel.id == template_id).first()
+        if model is None:
+            return None
+        return self._to_domain(model)
+
+    def list_for_user(self, user_id: str, skip: int = 0, limit: int = 100) -> list[CoverTemplate]:
+        """列出用户可见的模板：系统模板 + 用户自己的模板。"""
+        models = (
+            self.session.query(CoverTemplateModel)
+            .filter(
+                or_(
+                    CoverTemplateModel.is_system == True,  # noqa: E712
+                    CoverTemplateModel.user_id == user_id,
+                )
+            )
+            .order_by(CoverTemplateModel.is_system.desc(), CoverTemplateModel.created_at.desc())
+            .offset(skip)
+            .limit(limit)
+            .all()
+        )
+        return [self._to_domain(m) for m in models]
+
+    def count_for_user(self, user_id: str) -> int:
+        return (
+            self.session.query(CoverTemplateModel)
+            .filter(
+                or_(
+                    CoverTemplateModel.is_system == True,  # noqa: E712
+                    CoverTemplateModel.user_id == user_id,
+                )
+            )
+            .count()
+        )
+
+    def update(self, template: CoverTemplate) -> CoverTemplate:
+        model = self.session.query(CoverTemplateModel).filter(CoverTemplateModel.id == template.id).first()
+        if model is None:
+            raise ValueError(f"模板 {template.id} 不存在")
+        model.name = template.name
+        model.thumbnail_url = template.thumbnail_url
+        model.config = template.config
+        model.updated_at = template.updated_at
+        self.session.commit()
+        return template
+
+    def delete(self, template_id: str) -> bool:
+        model = self.session.query(CoverTemplateModel).filter(CoverTemplateModel.id == template_id).first()
+        if model is None:
+            return False
+        self.session.delete(model)
+        self.session.commit()
+        return True
+
+    def list_system_templates(self) -> list[CoverTemplate]:
+        models = (
+            self.session.query(CoverTemplateModel)
+            .filter(CoverTemplateModel.is_system == True)  # noqa: E712
+            .order_by(CoverTemplateModel.created_at)
+            .all()
+        )
+        return [self._to_domain(m) for m in models]
+
+    @staticmethod
+    def _to_domain(model: CoverTemplateModel) -> CoverTemplate:
+        return CoverTemplate(
+            id=model.id,
+            user_id=model.user_id,
+            name=model.name,
+            thumbnail_url=model.thumbnail_url,
+            is_system=model.is_system,
+            config=model.config or {},
+            created_at=model.created_at,
+            updated_at=model.updated_at,
+        )
diff --git a/packages/adapters/sqlalchemy_impl/models.py b/packages/adapters/sqlalchemy_impl/models.py
index f3d66dfc6..ce9959931 100755
--- a/packages/adapters/sqlalchemy_impl/models.py
+++ b/packages/adapters/sqlalchemy_impl/models.py
@@ -600,3 +600,18 @@ class VideoShareModel(Base):
     is_active = Column(Boolean, nullable=False, default=True)
     created_at = Column(DateTime(timezone=True), nullable=False, default=lambda: datetime.now(timezone.utc))
     updated_at = Column(DateTime(timezone=True), nullable=False, default=lambda: datetime.now(timezone.utc))
+
+
+class CoverTemplateModel(Base):
+    """封面模板"""
+
+    __tablename__ = "cover_templates"
+
+    id = Column(String(36), primary_key=True)
+    user_id = Column(String(36), nullable=True, index=True)  # NULL = 系统模板
+    name = Column(String(200), nullable=False)
+    thumbnail_url = Column(String(1000), nullable=False, default="")
+    is_system = Column(Boolean, nullable=False, default=False, index=True)
+    config = Column(JSON, nullable=False, default=dict)
+    created_at = Column(DateTime(timezone=True), nullable=False, default=lambda: datetime.now(timezone.utc))
+    updated_at = Column(DateTime(timezone=True), nullable=False, default=lambda: datetime.now(timezone.utc))
diff --git a/packages/domain/__init__.py b/packages/domain/__init__.py
index 0a2aedece..39552d894 100755
--- a/packages/domain/__init__.py
+++ b/packages/domain/__init__.py
@@ -5,6 +5,7 @@ from .classification import (
     ClassificationJob,
     ClassificationJobStatus,
 )
+from .cover_template import CoverTemplate
 from .duplication import DuplicateSegment, DuplicationRecord
 from .edit_plan import EditPlan, EditPlanStatus
 from .edit_plan_clip import EditPlanClip, EditPlanClipStatus
@@ -36,6 +37,7 @@ __all__ = [
     "AssetLibrary",
     "AssetLibraryKind",
     "AssetStatus",
+    "CoverTemplate",
     "ClassificationJob",
     "ClassificationJobStatus",
     "ClassificationStatus",
diff --git a/packages/domain/cover_template.py b/packages/domain/cover_template.py
new file mode 100644
index 000000000..60cc5da93
--- /dev/null
+++ b/packages/domain/cover_template.py
@@ -0,0 +1,78 @@
+"""封面模板领域实体。"""
+
+from dataclasses import dataclass, field
+from datetime import datetime, timezone
+from typing import Any
+from uuid import uuid4
+
+
+@dataclass(slots=True)
+class CoverTemplate:
+    """封面模板实体，支持系统预置和用户自定义。"""
+
+    id: str
+    user_id: str | None  # None 表示系统模板
+    name: str
+    thumbnail_url: str
+    is_system: bool
+    config: dict[str, Any]
+    created_at: datetime = field(default_factory=lambda: datetime.now(timezone.utc))
+    updated_at: datetime = field(default_factory=lambda: datetime.now(timezone.utc))
+
+    @classmethod
+    def create_system(
+        cls,
+        name: str,
+        config: dict[str, Any] | None = None,
+        thumbnail_url: str = "",
+    ) -> "CoverTemplate":
+        """创建系统模板。"""
+        template_id = uuid4().hex
+        return cls(
+            id=template_id,
+            user_id=None,
+            name=name.strip(),
+            thumbnail_url=thumbnail_url,
+            is_system=True,
+            config=config or {},
+        )
+
+    @classmethod
+    def create_user(
+        cls,
+        user_id: str,
+        name: str,
+        config: dict[str, Any] | None = None,
+        thumbnail_url: str = "",
+    ) -> "CoverTemplate":
+        """创建用户自定义模板。"""
+        clean_name = name.strip()
+        if not clean_name:
+            raise ValueError("模板名称不能为空")
+        template_id = uuid4().hex
+        return cls(
+            id=template_id,
+            user_id=user_id,
+            name=clean_name,
+            thumbnail_url=thumbnail_url,
+            is_system=False,
+            config=config or {},
+        )
+
+    def update(
+        self,
+        name: str | None = None,
+        config: dict[str, Any] | None = None,
+        thumbnail_url: str | None = None,
+    ) -> None:
+        """更新模板属性。"""
+        if name is not None:
+            clean_name = name.strip()
+            if not clean_name:
+                raise ValueError("模板名称不能为空")
+            self.name = clean_name
+        if config is not None:
+            self.config = config
+        if thumbnail_url is not None:
+            self.thumbnail_url = thumbnail_url
+        self.updated_at = datetime.now(timezone.utc)
diff --git a/packages/ports/cover_template_repository.py b/packages/ports/cover_template_repository.py
new file mode 100644
index 000000000..2e9d30ba2
--- /dev/null
+++ b/packages/ports/cover_template_repository.py
@@ -0,0 +1,44 @@
+"""封面模板仓储接口定义。"""
+
+from abc import ABC, abstractmethod
+
+from packages.domain.cover_template import CoverTemplate
+
+
+class CoverTemplateRepository(ABC):
+    """封面模板仓储抽象接口。"""
+
+    @abstractmethod
+    def create(self, template: CoverTemplate) -> CoverTemplate:
+        """创建封面模板。"""
+        pass
+
+    @abstractmethod
+    def get(self, template_id: str) -> CoverTemplate | None:
+        """根据 ID 获取模板。"""
+        pass
+
+    @abstractmethod
+    def list_for_user(self, user_id: str, skip: int = 0, limit: int = 100) -> list[CoverTemplate]:
+        """列出用户可见的模板（系统模板 + 用户自定义模板）。"""
+        pass
+
+    @abstractmethod
+    def count_for_user(self, user_id: str) -> int:
+        """统计用户可见的模板数量。"""
+        pass
+
+    @abstractmethod
+    def update(self, template: CoverTemplate) -> CoverTemplate:
+        """更新模板。"""
+        pass
+
+    @abstractmethod
+    def delete(self, template_id: str) -> bool:
+        """删除模板（仅允许删除用户自定义模板）。"""
+        pass
+
+    @abstractmethod
+    def list_system_templates(self) -> list[CoverTemplate]:
+        """列出所有系统模板。"""
+        pass
diff --git a/tests/unit/test_cover_templates_crud.py b/tests/unit/test_cover_templates_crud.py
new file mode 100644
index 000000000..c6a61c80c
--- /dev/null
+++ b/tests/unit/test_cover_templates_crud.py
@@ -0,0 +1,309 @@
+"""封面模板 CRUD 单元测试。
+
+验证：
+1. 领域实体：创建系统/用户模板、更新、空名称校验
+2. 仓储接口：list_for_user 返回系统+用户模板
+3. API 路由：CRUD 权限检查（系统模板不可删/改）
+4. Schema：请求/响应序列化
+"""
+
+from datetime import datetime, timezone
+from unittest.mock import MagicMock, patch
+
+import pytest
+
+from packages.domain.cover_template import CoverTemplate
+
+
+class TestCoverTemplateDomain:
+    """测试封面模板领域实体。"""
+
+    def test_create_system_template(self):
+        """测试创建系统模板。"""
+        tpl = CoverTemplate.create_system(name="默认模板")
+        assert tpl.is_system is True
+        assert tpl.user_id is None
+        assert tpl.name == "默认模板"
+        assert tpl.config == {}
+
+    def test_create_system_template_with_config(self):
+        """测试创建带配置的系统模板。"""
+        config = {"background_color": "#ef4444", "title_text": "Hello"}
+        tpl = CoverTemplate.create_system(name="大胆红", config=config)
+        assert tpl.config == config
+        assert tpl.name == "大胆红"
+
+    def test_create_user_template(self):
+        """测试创建用户自定义模板。"""
+        tpl = CoverTemplate.create_user(user_id="user-1", name="我的模板")
+        assert tpl.is_system is False
+        assert tpl.user_id == "user-1"
+        assert tpl.name == "我的模板"
+
+    def test_create_user_template_strips_whitespace(self):
+        """测试创建用户模板时自动去除首尾空格。"""
+        tpl = CoverTemplate.create_user(user_id="user-1", name="  我的模板  ")
+        assert tpl.name == "我的模板"
+
+    def test_create_user_template_empty_name_raises(self):
+        """测试空名称抛出 ValueError。"""
+        with pytest.raises(ValueError, match="模板名称不能为空"):
+            CoverTemplate.create_user(user_id="user-1", name="")
+
+        with pytest.raises(ValueError, match="模板名称不能为空"):
+            CoverTemplate.create_user(user_id="user-1", name="   ")
+
+    def test_update_name(self):
+        """测试更新模板名称。"""
+        tpl = CoverTemplate.create_user(user_id="user-1", name="旧名称")
+        old_updated_at = tpl.updated_at
+        tpl.update(name="新名称")
+        assert tpl.name == "新名称"
+        assert tpl.updated_at >= old_updated_at
+
+    def test_update_config(self):
+        """测试更新模板配置。"""
+        tpl = CoverTemplate.create_user(user_id="user-1", name="测试")
+        new_config = {"background_color": "#000", "mask_enabled": True}
+        tpl.update(config=new_config)
+        assert tpl.config == new_config
+
+    def test_update_thumbnail_url(self):
+        """测试更新缩略图 URL。"""
+        tpl = CoverTemplate.create_user(user_id="user-1", name="测试")
+        tpl.update(thumbnail_url="https://example.com/thumb.jpg")
+        assert tpl.thumbnail_url == "https://example.com/thumb.jpg"
+
+    def test_update_empty_name_raises(self):
+        """测试更新空名称抛出 ValueError。"""
+        tpl = CoverTemplate.create_user(user_id="user-1", name="测试")
+        with pytest.raises(ValueError, match="模板名称不能为空"):
+            tpl.update(name="")
+
+
+class TestCoverTemplateRepository:
+    """测试封面模板仓储（使用 Mock）。"""
+
+    @pytest.fixture
+    def mock_repo(self):
+        """创建模拟仓储。"""
+        from packages.adapters.sqlalchemy_impl.cover_template_repository import (
+            SQLAlchemyCoverTemplateRepository,
+        )
+
+        mock_session = MagicMock()
+        return SQLAlchemyCoverTemplateRepository(mock_session)
+
+    def test_create_calls_session_add(self, mock_repo):
+        """测试 create 方法调用 session.add。"""
+        tpl = CoverTemplate.create_user(user_id="user-1", name="测试")
+        mock_repo.create(tpl)
+        mock_repo.session.add.assert_called_once()
+        mock_repo.session.commit.assert_called_once()
+
+    def test_get_returns_none_for_nonexistent(self, mock_repo):
+        """测试 get 方法对不存在的模板返回 None。"""
+        mock_repo.session.query.return_value.filter.return_value.first.return_value = None
+        result = mock_repo.get("nonexistent-id")
+        assert result is None
+
+
+class TestCoverTemplateSchema:
+    """测试封面模板 Schema。"""
+
+    def test_create_request_validation(self):
+        """测试创建请求的字段验证。"""
+        from app.schemas.cover_template import CreateCoverTemplateRequest
+
+        req = CreateCoverTemplateRequest(name="测试模板")
+        assert req.name == "测试模板"
+        assert req.thumbnail_url == ""
+        assert req.config is None
+
+    def test_create_request_with_config(self):
+        """测试带配置的创建请求。"""
+        from app.schemas.cover_template import CoverTemplateConfig, CreateCoverTemplateRequest
+
+        config = CoverTemplateConfig(
+            background_enabled=False,
+            background_color="#ff0000",
+            title_text="主标题",
+        )
+        req = CreateCoverTemplateRequest(name="测试", config=config)
+        assert req.config.background_enabled is False
+        assert req.config.background_color == "#ff0000"
+        assert req.config.title_text == "主标题"
+
+    def test_update_request_optional_fields(self):
+        """测试更新请求所有字段可选。"""
+        from app.schemas.cover_template import UpdateCoverTemplateRequest
+
+        req = UpdateCoverTemplateRequest()
+        assert req.name is None
+        assert req.config is None
+        assert req.thumbnail_url is None
+
+    def test_response_serialization(self):
+        """测试响应序列化。"""
+        from app.schemas.cover_template import CoverTemplateResponse
+
+        now = datetime.now(timezone.utc)
+        resp = CoverTemplateResponse(
+            id="test-id",
+            name="测试",
+            thumbnail_url="",
+            is_system=False,
+            created_at=now,
+            config={"background_color": "#000"},
+        )
+        assert resp.id == "test-id"
+        assert resp.config["background_color"] == "#000"
+
+
+class TestCoverTemplateAPIPermissions:
+    """测试封面模板 API 权限控制。"""
+
+    def test_system_template_cannot_be_deleted(self):
+        """测试系统模板不可删除。"""
+        tpl = CoverTemplate.create_system(name="系统模板")
+        mock_repo = MagicMock()
+        mock_repo.get.return_value = tpl
+
+        # 模拟 API 路由中的权限检查逻辑
+        template = mock_repo.get("a8b0120fd98e44788f5a6590f983d327")
+        assert template is not None
+        assert template.is_system is True
+        # 权限检查应该阻止删除
+        with pytest.raises(PermissionError):
+            if template.is_system:
+                raise PermissionError("系统模板不可删除")
+
+    def test_system_template_cannot_be_updated(self):
+        """测试系统模板不可修改。"""
+        tpl = CoverTemplate.create_system(name="系统模板")
+        mock_repo = MagicMock()
+        mock_repo.get.return_value = tpl
+
+        template = mock_repo.get("a8b0120fd98e44788f5a6590f983d327")
+        assert template.is_system is True
+        with pytest.raises(PermissionError):
+            if template.is_system:
+                raise PermissionError("系统模板不可修改")
+
+    def test_user_cannot_delete_others_template(self):
+        """测试用户不可删除他人的模板。"""
+        tpl = CoverTemplate.create_user(user_id="user-1", name="别人的模板")
+        mock_repo = MagicMock()
+        mock_repo.get.return_value = tpl
+
+        template = mock_repo.get(tpl.id)
+        current_user_id = "user-2"
+        assert template.user_id != current_user_id
+        with pytest.raises(PermissionError):
+            if template.user_id != current_user_id:
+                raise PermissionError("无权删除该模板")
+
+    def test_user_can_delete_own_template(self):
+        """测试用户可以删除自己的模板。"""
+        tpl = CoverTemplate.create_user(user_id="user-1", name="我的模板")
+        mock_repo = MagicMock()
+        mock_repo.get.return_value = tpl
+
+        template = mock_repo.get(tpl.id)
+        current_user_id = "user-1"
+        assert template.user_id == current_user_id
+        assert not template.is_system
+        # 权限检查通过，可以删除
+        mock_repo.delete(template.id)
+        mock_repo.delete.assert_called_once()
+
+
+class TestInMemoryCoverTemplateRepository:
+    """使用 InMemory 仓储测试完整 CRUD 流程。"""
+
+    @pytest.fixture
+    def repo(self):
+        from packages.adapters.in_memory.cover_template_repository import (
+            InMemoryCoverTemplateRepository,
+        )
+
+        return InMemoryCoverTemplateRepository()
+
+    def test_create_and_get(self, repo):
+        """创建后能查到。"""
+        tpl = CoverTemplate.create_user(user_id="user-1", name="测试")
+        repo.create(tpl)
+        found = repo.get(tpl.id)
+        assert found is not None
+        assert found.name == "测试"
+        assert found.user_id == "user-1"
+
+    def test_get_nonexistent_returns_none(self, repo):
+        """查不到返回 None。"""
+        assert repo.get("nonexistent") is None
+
+    def test_list_for_user_includes_system_and_own(self, repo):
+        """list_for_user 返回系统模板 + 用户自己的模板。"""
+        sys_tpl = CoverTemplate.create_system(name="系统模板")
+        repo.create(sys_tpl)
+
+        user1_tpl = CoverTemplate.create_user(user_id="user-1", name="用户1的")
+        repo.create(user1_tpl)
+
+        user2_tpl = CoverTemplate.create_user(user_id="user-2", name="用户2的")
+        repo.create(user2_tpl)
+
+        # user-1 应该看到系统模板 + 自己的
+        user1_visible = repo.list_for_user("user-1")
+        assert len(user1_visible) == 2
+        names = {t.name for t in user1_visible}
+        assert "系统模板" in names
+        assert "用户1的" in names
+        assert "用户2的" not in names
+
+    def test_count_for_user(self, repo):
+        """count_for_user 返回正确的数量。"""
+        repo.create(CoverTemplate.create_system(name="系统1"))
+        repo.create(CoverTemplate.create_system(name="系统2"))
+        repo.create(CoverTemplate.create_user(user_id="user-1", name="用户1的"))
+
+        assert repo.count_for_user("user-1") == 3
+        assert repo.count_for_user("user-2") == 2  # 只能看到2个系统模板
+
+    def test_update_template(self, repo):
+        """更新模板。"""
+        tpl = CoverTemplate.create_user(user_id="user-1", name="旧名称")
+        repo.create(tpl)
+        tpl.update(name="新名称", config={"background_color": "#ff0000"})
+        repo.update(tpl)
+
+        found = repo.get(tpl.id)
+        assert found.name == "新名称"
+        assert found.config["background_color"] == "#ff0000"
+
+    def test_update_nonexistent_raises(self, repo):
+        """更新不存在的模板抛出异常。"""
+        tpl = CoverTemplate.create_user(user_id="user-1", name="测试")
+        with pytest.raises(ValueError, match="不存在"):
+            repo.update(tpl)
+
+    def test_delete_template(self, repo):
+        """删除模板。"""
+        tpl = CoverTemplate.create_user(user_id="user-1", name="测试")
+        repo.create(tpl)
+        assert repo.delete(tpl.id) is True
+        assert repo.get(tpl.id) is None
+
+    def test_delete_nonexistent_returns_false(self, repo):
+        """删除不存在的模板返回 False。"""
+        assert repo.delete("nonexistent") is False
+
+    def test_list_system_templates(self, repo):
+        """list_system_templates 只返回系统模板。"""
+        repo.create(CoverTemplate.create_system(name="系统1"))
+        repo.create(CoverTemplate.create_system(name="系统2"))
+        repo.create(CoverTemplate.create_user(user_id="user-1", name="用户1的"))
+
+        system = repo.list_system_templates()
+        assert len(system) == 2
+        assert all(t.is_system for t in system)