The invention relates to an organic-inorganic composite multifunctional single-direction moisture conducting finishing agent and application thereof. The organic-inorganic composite multifunctional single-direction moisture conducting finishing agent is prepared from the following components by weight percent: 10 to 20 percent of component A, 5 to 10 percent of component B and 70 to 80 percent of component C, wherein the component A is formed by hyperbranched urethane acrylate, carboxyl chitosan, n-hexanol and hyberbranched polyester acrylate in a weight ratio of (1 to 2): to (4 to 6) : to (2 to 3) : to (0.5 to 1); the component B consists of gamma-methylacryloyl propyl trimethoxy silane/SiO2 sol and an photoinitiator in a weight ratio of 50: 1 to 20: 1; and the component C consists of a thickening agent, a binder, lauryl sodium sulfate and hydroxypropyl-cellulose in a weight ratio of (1 to 3): (4 to 5) :to (1 to 2) : to (0.5 to 1). The finishing agent is applied to a fiber product. By adopting the organic-inorganic composite multifunctional single-direction moisture conducting finishing agent, the weaknesses of the existing product are overcome, the industrialized production is easy to realize, the application method is simple, the cost is low, and the application prospect and the economic benefit are good.