diff --git a/skills/yanghuajun336/tencentcloud-terraform/references/provider-setup.md b/skills/yanghuajun336/tencentcloud-terraform/references/provider-setup.md
new file mode 100644
index 0000000..60cba80
--- /dev/null
+++ b/skills/yanghuajun336/tencentcloud-terraform/references/provider-setup.md
@@ -0,0 +1,80 @@
+# Provider / Versions / Backend 标准配置
+
+---
+
+## versions.tf
+
+```hcl
+tf  {
+  required_version = ">= 1.3.0"
+
+  required_providers {
+    tencentcloud = {
+      source  = "tencentcloudstack/tencentcloud"
+      version = ">= 1.81.0"
+    }
+  }
+}
+```
+
+---
+
+## provider.tf
+
+```hcl
+provider "tencentcloud" {
+  region = var.region
+  # secret_id / secret_key 通过环境变量注入：
+  # export TENCENTCLOUD_SECRET_ID=xxx
+  # export TENCENTCLOUD_SECRET_KEY=xxx
+}
+```
+
+---
+
+## backend.tf（COS 远端 State）
+
+```hcl
+tf  {
+  backend "cos" {
+    region = "ap-guangzhou"
+    bucket = "myapp-tfstate-1234567890"   # 格式: <name>-<appid>
+    prefix = "myapp/prod/terraform.tfstate"
+  }
+}
+```
+
+> 使用 `scripts/gen_backend.py` 自动生成，避免手写路径出错。
+
+---
+
+## 认证方式
+
+| 方式 | 说明 | 推荐场景 |
+|------|------|---------|
+| 环境变量 | `TENCENTCLOUD_SECRET_ID` + `TENCENTCLOUD_SECRET_KEY` | CI/CD、本地开发 |
+| `~/.tencentcloud/credentials` | 本地配置文件 | 个人开发机 |
+| CAM 角色（CVM/TKE 绑定） | 无需密钥 | 云上 Runner |
+
+```bash
+# 推荐：环境变量方式
+export TENCENTCLOUD_SECRET_ID="your-secret-id"
+export TENCENTCLOUD_SECRET_KEY="your-secret-key"
+export TENCENTCLOUD_REGION="ap-guangzhou"
+tf init
+```
+
+---
+
+## 常用地域代码
+
+| 地域 | 代码 |
+|------|------|
+| 广州 | `ap-guangzhou` |
+| 上海 | `ap-shanghai` |
+| 北京 | `ap-beijing` |
+| 成都 | `ap-chengdu` |
+| 香港 | `ap-hongkong` |
+| 新加坡 | `ap-singapore` |
+| 首尔 | `ap-seoul` |
+| 东京 | `ap-tokyo` |
\ No newline at end of file