The utility model relates to a built-in lock combination type bicycle umbrella, which can be disassembled and used by walkers and can be assembled and used on bicycles. A built-in lock hook is arranged under the press type lock hook of the general umbrella by the utility model, and thus, the umbrella can be combined with a clamp seat by a hollow handle and a butt joint connecting rod to be fixed on the crossbeam of a bicycle. The sloping beam of the bicycle is provided with two small brackets. The butt joint connecting rod which is taken from the clamp seat can be pressed into the elastic opening of the small bracket, and the butt joint connecting rod which is closed to the sloping beam is laid in parallel.