如图所示

<!DOCTYPE html>
<html lang="en">
<head>
    <meta charset="UTF-8">
    <meta name="viewport" content="width=device-width, initial-scale=1.0">
    <meta http-equiv="X-UA-Compatible" content="ie=edge">
    <title>文字叠底在图片上</title>
    <style>
        body {
            padding: 0;
            margin: 0;
            font-family:Georgia, 'Times New Roman', Times, serif;
            background: #dfe4ea;
        }
        h1 {
            text-transform: uppercase;
            font-size: 200px;
            letter-spacing: 20px;
            position: absolute;
            top: 50%;
            left: 50%;
            transform: translate(-50%, -50%);
            margin: 0;
            background: url('./img/bg3.jpg');
            background-size: cover;
            -webkit-text-fill-color: transparent;
            -webkit-background-clip: text;
        }
    </style>
</head>
<body>
    <h1>youngxy</h1>
</body>
</html>