Fine-grained image-text retrieval requires a model not only to assess global semantic consistency between an image and a text, but also to model visual evidence for local textual semantics, including objects, attributes, quantities, actions, and relations, so as to distinguish semantically similar candidates. Existing methods commonly use fixed image patches, detected regions, or text tokens as the basic matching units and then aggregate local interactions through max pooling, cross attention, or similarity accumulation. Such strategies remain limited in semantic unit construction and global matching consistency. This paper proposes a hierarchical fine-grained cross-modal alignment framework, termed HFCMA. The framework progressively transforms low-level patch and token representations into adaptive visual regions and textual phrases, and then performs structured region-phrase matching within a global retrieval scoring process. Specifically, HFCMA first adopts dynamic granularity discovery (DGD) to aggregate raw patches and tokens into semantically compact visual regions and textual phrases. It then formulates region-phrase matching as an entropy-regularized optimal transport problem, thereby estimating a structured alignment matrix under global marginal constraints. To reduce background noise and local semantic drift, HFCMA further introduces background debiasing, textual importance weighting, and prototype consistency regularization. Experiments on Flickr30K and MS-COCO show that HFCMA effectively combines dynamic semantic unit construction with OT-based structured matching under a dual-encoder retrieval framework. The resulting fine-grained score provides structured local alignment information for candidate ranking and improves the discrimination of subtle semantic differences.

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