The invention discloses an up-conversion material based on tin antimony oxide, and belongs to the technical field of materials. The tin antimony oxide in the up-conversion material can shield a large amount of infrared light, a certain quantity of doped rare earth elements such as erbium and ytterbium can absorb energy of infrared rays with long wavelengths in an environment, penetrating infrared light further emits near infrared energy through rare earth element 4f orbit excitation and de-excitation processes, and thermal insulation functions are further effectively achieved. The up-conversion material is creatively applied to fabric processing, and a fabric with good thermal insulation performance and visible light transmittance can be prepared and used for preparing summer clothes. Besides, when the up-conversion material is applied to fabric processing or transparent thermal insulation film preparation, a use method is quite simple and convenient, extra processing equipment is omitted, and industrial application is easily performed.