<div class="image-link">
  <a href="target-page.html" class="link-overlay"></a>
  <div class="content">
    <h3>标题</h3>
    <p>描述内容</p>
  </div>
</div>

.image-link {
  position: relative;
  width: 300px;
  height: 200px;
  background-image: url('your-image.jpg');
  background-size: cover;
  background-position: center;
  overflow: hidden;
  border-radius: 8px;
}

.link-overlay {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  z-index: 1;
  background-color: rgba(0,0,0,0);
  transition: background-color 0.3s ease;
}

.link-overlay:hover {
  background-color: rgba(0,0,0,0.3);
}

.content {
  position: relative;
  z-index: 2;
  color: white;
  padding: 20px;
}

/* 保持宽高比的技巧 */
.image-link {
  width: 100%;
  padding-top: 56.25%; /* 16:9比例 */
  position: relative;
}
.image-link > * {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
}

<a href="target.html" class="link-overlay" aria-label="产品详情">
  <span class="sr-only">产品详情</span>
</a>

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border-width: 0;
}