Disclosed is a matrix form insulated water-cooling resistor which is characterized in that a gasket ring locating plate is fixed on the sealed plane of a splitter box and a header tank, and a gasket ring is laid in a hole of the gasket ring locating plate; the splitter box is arranged below the header tank, with the self sealing plane of the splitter box facing upwards and the self sealing plane of the header tank facing downwards; tens of resistor cores are arranged in the form of a matrix between the splitter box and the header tank and are fixed through screws, contour locating rods and worms and are installed and sealed integral. The resistor cores take hollow porcelain tubes as base bodies, and the porcelain tubes are equal in height, with both ends be parallel planes perpendicular to the axis. Conducive films are arranged on the outer walls of the porcelain tubes and the internal holes of the porcelain tubes are water passages; cooling water and conductive films are separated by the walls of the porcelain tubes. The insulated water-cooling resistor is high in cooling efficiency, and the cooling water and the resistor can be insulated at high voltage. The insulated water-cooling resistor is compact in structure and is convenient to be assembled into a super-power matrix form insulated water-cooling resistor.