The invention relates to a cooling super-fine denier full-polyester functional fabric, which comprises a fabric body, wherein the upper surface of the fabric body is sequentially provided with an anti-radiation layer, an anti-static layer and a waterproof layer, the lower surface is sequentially provided with an antibacterial layer, a flame-retardant layer and a lower waterproof layer, the back surface of the lower waterproof layer is provided with a lining fabric layer, the lining fabric layer is a flax imitating fabric and is formed by interweaving warp yarns and weft yarns in a rise and fall manner, the warp yarns comprise first warp yarns and second warp yarns, the weft yarns comprise first weft yarns and second weft yarns, the first warp yarns and the first weft yarns use flax type Tencel, the flax type Tencel is bamboo joint-shaped, the second warp yarns use polyester chemical fiber flax imitating yarn PWY with the characteristic of twisting, the second weft yarns use polyester high-elastic yarn T400, and the flax imitating fabric uses a changing warp rib weave. The cooling super-fine denier full-polyester functional fabric of the present invention has characteristics of three-dimensional effect and cooling.