diff --git a/crm-rule/src/main/java/com/crm/rule/config/StageTemplateInitializer.java b/crm-rule/src/main/java/com/crm/rule/config/StageTemplateInitializer.java
new file mode 100644
index 0000000..794f5d7
--- /dev/null
+++ b/crm-rule/src/main/java/com/crm/rule/config/StageTemplateInitializer.java
@@ -0,0 +1,96 @@
+package com.crm.rule.config;
+
+import com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper;
+import com.crm.rule.constant.OpportunityRuleConstants;
+import com.crm.rule.domain.entity.OpportunityStageNode;
+import com.crm.rule.domain.entity.OpportunityStageTemplate;
+import com.crm.rule.mapper.OpportunityStageNodeMapper;
+import com.crm.rule.mapper.OpportunityStageTemplateMapper;
+import lombok.RequiredArgsConstructor;
+import lombok.extern.slf4j.Slf4j;
+import org.springframework.boot.CommandLineRunner;
+import org.springframework.core.annotation.Order;
+import org.springframework.stereotype.Component;
+
+import java.util.List;
+
+/**
+ * 全局默认阶段模板兜底种子化（票 15 / 票 02 阶段落位兜底 / PRD §6）
+ *
+ * <p>初始化植入一条「全公司通用」发布中默认阶段模板，作转商机时
+ * {@code IOpportunityStageTemplateService.resolveBindingVersion} 的命中兜底
+ * （对称 {@link SchemeFieldDefInitializer} 的方案卡兜底模板范式）：无此兜底则转商机首个商机
+ * 的 {@code current_stage_id} 落空（票 16 走法 A 容忍空），有则常态命中默认模板。</p>
+ *
+ * <p>默认阶段轨道（产品拍板 20260826）：客户圈定 → 关系摸排 → 资料采集 → 方案卡 → 已转项目
+ * （引用 {@code opp_stage} 字典 OPP_STAGE_01..05，字典项由字典域种子化，本处仅组装模板版本行）。
+ * 末节点「已转项目」为固定节点（{@code is_fixed=1}，票 06 契约：不可删、仅方案卡转项目驱动到达）。</p>
+ *
+ * <p>幂等键 = 模板编码：同 code 行存在（含已停用）即跳过，管理员停用兜底后重启不复活。</p>
+ */
+@Slf4j
+@Component
+@Order(17)
+@RequiredArgsConstructor
+public class StageTemplateInitializer implements CommandLineRunner {
+
+    private final OpportunityStageTemplateMapper templateMapper;
+    private final OpportunityStageNodeMapper nodeMapper;
+
+    @Override
+    public void run(String... args) {
+        Long existing = templateMapper.selectCount(
+                new LambdaQueryWrapper<OpportunityStageTemplate>()
+                        .eq(OpportunityStageTemplate::getTemplateCode,
+                                OpportunityRuleConstants.SEED_STAGE_TPL_CODE));
+        if (existing != null && existing > 0) {
+            log.info("默认阶段模板已存在（code={}，含已停用），跳过种子化",
+                    OpportunityRuleConstants.SEED_STAGE_TPL_CODE);
+            return;
+        }
+
+        OpportunityStageTemplate template = buildSeedTemplate();
+        templateMapper.insert(template);
+        List<OpportunityStageNode> nodes = buildSeedNodes(template.getId());
+        nodes.forEach(nodeMapper::insert);
+        log.info("已植入全局默认阶段模板（{}，发布中/全公司通用/默认，{} 个节点）",
+                template.getTemplateCode(), nodes.size());
+    }
+
+    /** 兜底模板头（包级可见供测试断言）：固定编码 V1.0 直发发布中、全公司通用且默认 */
+    OpportunityStageTemplate buildSeedTemplate() {
+        OpportunityStageTemplate template = new OpportunityStageTemplate();
+        template.setTemplateCode(OpportunityRuleConstants.SEED_STAGE_TPL_CODE);
+        template.setTemplateName(OpportunityRuleConstants.SEED_STAGE_TPL_NAME);
+        template.setVersionNo("V1.0");
+        template.setStatus(OpportunityRuleConstants.VERSION_STATUS_PUBLISHED);
+        template.setApplyScope(OpportunityRuleConstants.APPLY_SCOPE_ALL);
+        template.setIsDefault(OpportunityRuleConstants.FLAG_YES);
+        template.setTemplateDesc("系统初始化种子模板（客户圈定→关系摸排→资料采集→方案卡→已转项目），"
+                + "全公司通用兜底；可停用或发新版替换");
+        return template;
+    }
+
+    /**
+     * 兜底模板 5 节点（包级可见供测试断言）：seq 1-5 依序引用 opp_stage 字典 01-05，
+     * custom_node_name/work_goal 留空（带入字典名），末节点「已转项目」固定。
+     */
+    List<OpportunityStageNode> buildSeedNodes(Long templateId) {
+        return List.of(
+                seedNode(templateId, 1, "OPP_STAGE_01", OpportunityRuleConstants.FLAG_NO),
+                seedNode(templateId, 2, "OPP_STAGE_02", OpportunityRuleConstants.FLAG_NO),
+                seedNode(templateId, 3, "OPP_STAGE_03", OpportunityRuleConstants.FLAG_NO),
+                seedNode(templateId, 4, "OPP_STAGE_04", OpportunityRuleConstants.FLAG_NO),
+                seedNode(templateId, 5, OpportunityRuleConstants.FIXED_STAGE_DICT_CODE,
+                        OpportunityRuleConstants.FLAG_YES));
+    }
+
+    private OpportunityStageNode seedNode(Long templateId, int seqNo, String stageDictCode, int isFixed) {
+        OpportunityStageNode node = new OpportunityStageNode();
+        node.setTemplateId(templateId);
+        node.setSeqNo(seqNo);
+        node.setStageDictCode(stageDictCode);
+        node.setIsFixed(isFixed);
+        return node;
+    }
+}
diff --git a/crm-rule/src/main/java/com/crm/rule/constant/OpportunityRuleConstants.java b/crm-rule/src/main/java/com/crm/rule/constant/OpportunityRuleConstants.java
index 7484023..e87d8cc 100644
--- a/crm-rule/src/main/java/com/crm/rule/constant/OpportunityRuleConstants.java
+++ b/crm-rule/src/main/java/com/crm/rule/constant/OpportunityRuleConstants.java
@@ -51,6 +51,16 @@ public interface OpportunityRuleConstants {
     /** 「已转项目」固定节点展示名（custom_node_name 为空时的字典名兜底） */
     String FIXED_STAGE_NAME = "已转项目";
 
+    /**
+     * 种子兜底阶段模板编码（票 15 / 票 02：初始化植入全公司通用发布中默认模板作转商机阶段落位兜底）。
+     * 固定 01 号：与 nextTemplateCode 顺延号兼容（首装空表时种子先持 01，后续新建从 02 起），
+     * 对称方案卡 {@link #SEED_SCHEME_TPL_CODE}。
+     */
+    String SEED_STAGE_TPL_CODE = STAGE_TPL_CODE_PREFIX + "01";
+
+    /** 种子兜底阶段模板名称 */
+    String SEED_STAGE_TPL_NAME = "全公司通用阶段模板";
+
     /*-------- 业务错误码（64xxx，接 RuleConstants 64007 顺延） --------*/
 
     /** 规则参数/状态校验失败 */
diff --git a/crm-rule/src/test/java/com/crm/rule/config/StageTemplateInitializerTest.java b/crm-rule/src/test/java/com/crm/rule/config/StageTemplateInitializerTest.java
new file mode 100644
index 0000000..85c88fe
--- /dev/null
+++ b/crm-rule/src/test/java/com/crm/rule/config/StageTemplateInitializerTest.java
@@ -0,0 +1,120 @@
+package com.crm.rule.config;
+
+import com.baomidou.mybatisplus.core.MybatisConfiguration;
+import com.baomidou.mybatisplus.core.metadata.TableInfoHelper;
+import com.crm.rule.constant.OpportunityRuleConstants;
+import com.crm.rule.domain.entity.OpportunityStageNode;
+import com.crm.rule.domain.entity.OpportunityStageTemplate;
+import com.crm.rule.mapper.OpportunityStageNodeMapper;
+import com.crm.rule.mapper.OpportunityStageTemplateMapper;
+import org.apache.ibatis.builder.MapperBuilderAssistant;
+import org.junit.jupiter.api.BeforeAll;
+import org.junit.jupiter.api.DisplayName;
+import org.junit.jupiter.api.Test;
+import org.junit.jupiter.api.extension.ExtendWith;
+import org.mockito.ArgumentCaptor;
+import org.mockito.InjectMocks;
+import org.mockito.Mock;
+import org.mockito.junit.jupiter.MockitoExtension;
+
+import java.util.List;
+
+import static org.assertj.core.api.Assertions.assertThat;
+import static org.mockito.ArgumentMatchers.any;
+import static org.mockito.Mockito.doAnswer;
+import static org.mockito.Mockito.times;
+import static org.mockito.Mockito.verify;
+import static org.mockito.Mockito.when;
+
+/**
+ * 全局默认阶段模板兜底种子化规格验证（票 15 / 票 02 阶段落位兜底）。
+ *
+ * <p>断言点（对称 {@link SchemeFieldDefInitializerTest}）：</p>
+ * <ul>
+ *   <li>首装：植入 1 头（固定编码 V1.0/发布中/全公司通用/默认）+ 5 节点
+ *       （客户圈定→关系摸排→资料采集→方案卡→已转项目，seq 1-5，末节点 is_fixed=1 且 dictCode=OPP_STAGE_05）</li>
+ *   <li>幂等：模板按编码判存（含已停用不复活——管理员停用兜底后重启不重建）</li>
+ * </ul>
+ */
+@DisplayName("全局默认阶段模板兜底种子化（票 15）")
+@ExtendWith(MockitoExtension.class)
+class StageTemplateInitializerTest {
+
+    private static final Long SEED_TPL_ROW_ID = 8801L;
+
+    @Mock private OpportunityStageTemplateMapper templateMapper;
+    @Mock private OpportunityStageNodeMapper nodeMapper;
+
+    @InjectMocks
+    private StageTemplateInitializer initializer;
+
+    @BeforeAll
+    static void initLambdaCache() {
+        MapperBuilderAssistant assistant =
+                new MapperBuilderAssistant(new MybatisConfiguration(), "");
+        TableInfoHelper.initTableInfo(assistant, OpportunityStageTemplate.class);
+        TableInfoHelper.initTableInfo(assistant, OpportunityStageNode.class);
+    }
+
+    /** 首装桩：无同码模板 + insert 回填模板行 id（模拟 ASSIGN_ID 雪花回填） */
+    private void stubFirstRun() {
+        when(templateMapper.selectCount(any())).thenReturn(0L);
+        doAnswer(inv -> {
+            OpportunityStageTemplate tpl = inv.getArgument(0);
+            tpl.setId(SEED_TPL_ROW_ID);
+            return 1;
+        }).when(templateMapper).insert(any(OpportunityStageTemplate.class));
+    }
+
+    @Test
+    @DisplayName("首装：种 1 头（发布中/全公司通用/默认/V1.0/固定编码）+ 5 节点（末节点固定=已转项目）")
+    void firstRun_seedsDefaultStageTemplate() {
+        stubFirstRun();
+        initializer.run();
+
+        // 模板头：固定编码、V1.0 直发发布中、全公司通用且默认
+        ArgumentCaptor<OpportunityStageTemplate> tplCaptor =
+                ArgumentCaptor.forClass(OpportunityStageTemplate.class);
+        verify(templateMapper).insert(tplCaptor.capture());
+        OpportunityStageTemplate template = tplCaptor.getValue();
+        assertThat(template.getTemplateCode()).isEqualTo(OpportunityRuleConstants.SEED_STAGE_TPL_CODE)
+                .isEqualTo("OPP_STAGE_TPL_01");
+        assertThat(template.getTemplateName()).isEqualTo(OpportunityRuleConstants.SEED_STAGE_TPL_NAME);
+        assertThat(template.getVersionNo()).isEqualTo("V1.0");
+        assertThat(template.getStatus()).isEqualTo(OpportunityRuleConstants.VERSION_STATUS_PUBLISHED);
+        assertThat(template.getApplyScope()).isEqualTo(OpportunityRuleConstants.APPLY_SCOPE_ALL);
+        assertThat(template.getIsDefault()).isEqualTo(OpportunityRuleConstants.FLAG_YES);
+
+        // 节点：5 条挂模板行 id、seq 1-5、字典 code 依序、末节点固定
+        ArgumentCaptor<OpportunityStageNode> nodeCaptor =
+                ArgumentCaptor.forClass(OpportunityStageNode.class);
+        verify(nodeMapper, times(5)).insert(nodeCaptor.capture());
+        List<OpportunityStageNode> nodes = nodeCaptor.getAllValues();
+        assertThat(nodes).allMatch(n -> SEED_TPL_ROW_ID.equals(n.getTemplateId()));
+        assertThat(nodes).extracting(OpportunityStageNode::getSeqNo)
+                .containsExactly(1, 2, 3, 4, 5);
+        assertThat(nodes).extracting(OpportunityStageNode::getStageDictCode)
+                .containsExactly("OPP_STAGE_01", "OPP_STAGE_02", "OPP_STAGE_03", "OPP_STAGE_04", "OPP_STAGE_05");
+
+        // 前 4 节点普通、末节点固定（is_fixed=1 且 dictCode=OPP_STAGE_05，票 06 契约）
+        assertThat(nodes.subList(0, 4)).allMatch(n -> Integer.valueOf(0).equals(n.getIsFixed()));
+        OpportunityStageNode last = nodes.get(4);
+        assertThat(last.getIsFixed()).isEqualTo(OpportunityRuleConstants.FLAG_YES);
+        assertThat(last.getStageDictCode()).isEqualTo(OpportunityRuleConstants.FIXED_STAGE_DICT_CODE);
+    }
+
+    @Test
+    @DisplayName("幂等重跑：模板按编码判存（含已停用）不复活，插入总数不变")
+    void rerun_idempotent() {
+        stubFirstRun();
+        initializer.run();
+
+        // 二跑：同码模板行已存在（任意状态，如管理员已停用）
+        when(templateMapper.selectCount(any())).thenReturn(1L);
+        initializer.run();
+
+        // 插入总数不变：模板 1、节点 5（二跑各补 0）
+        verify(templateMapper, times(1)).insert(any(OpportunityStageTemplate.class));
+        verify(nodeMapper, times(5)).insert(any(OpportunityStageNode.class));
+    }
+}