The invention relates to a waterproof wet-absorbing functional fabric without harm to human bodies, which comprises an inner layer, a waterproof layer and a surface layer; the inner layer is providedwith a flat surface on one side and a groove surface on the other side, a waterproof air-permeable membrane is arranged between the waterproof layer and the surface layer, and a quick-drying layer isarranged between the waterproof air-permeable membrane and the surface layer. A lining textile layer is arranged on the back surface of the inner layer and is formed by up and down weaving of warp andweft, 20D/50S modal coated polyester yarn is adopted as the warp and the weft, and the warp and the weft are woven in an one-up and one-down alternating manner to form a plain weave. The waterproof wet-absorbing functional fabric has the advantages of good waterproof performance and air permeability, and can quickly dry after being soaked in water. The waterproof wet-absorbing functional fabric avoids harm to human bodies.