The invention discloses plant-based cellulose fibers with antibacterial, health-care and skin-care functions and a preparation method thereof. Cellulose pulp, pilose asiabell root extract, radix angelicae sinensis extract and isatidis root extract are used as main raw materials, a second-layer capsule wall composite additive and a cellulose fiber spinning stock solution are fully mixed to form a primary blended liquid with high composite additive content, the primary blended liquid is added into the spinning stock solution through a pre-spinning injection device, and the materials are mixed again so that mixing uniformity is improved. The fiber has a Staphylococcus aureus inhibition rate of greater than or equal to 93.8%, an escherichia coli inhibition rate of greater than or equal to 90.2%, a Candida albicans inhibition rate of greater than or equal to 90.8% and multiple fiber amino acid contents of greater than or equal to 3.2mg/kg, and contains 12 kinds of trace elements such as iron, selenium, zinc, potassium, calcium and phosphorus and vitamins B1 and B2. The functional components in the pilose asiabell root, radix angelicae sinensis and isatidis root provide excellent antibacterial, health care and skin care functions for the fibers.