A moisture-vapor-permeable and water-resistant fiber involves a layer of base fabric, a moisture-vapor-permeable layer, and a water absorption layer. The moisture vapor permeable layer is obtained by coating or laminating the inner side of the fabric with a moisture-vapor-permeable resin, which prohibits the penetration of the water droplets but allows the penetration of the moisture vapor molecules. The moisture absorption layer with intricate and colorful design is composed of binding resin blended with fiber powder and/or inorganic powder, and which is dot-coated or dot-printed onto the inner side of the moisture-vapor-permeable and water-resistant layer. The fiber powder or inorganic powder is highly hydrophilic and highly absorbent in its moisture absorption ability, which, when the clothes are fabricated, can prevent the penetration of raindrops but allows the transmission of the evaporated vapor of sweat through the fabric. Moreover, it is capable of absorbing plentiful amount of sweat.