The invention relates to an in-situ testing machine for the microcosmic performance for a multi-load and multi-physical-field coupling material, belonging to the technical field of material mechanics property testing. The in-situ testing machine comprises a micro/nanometer-precision driving/transmission module, a 'mechanical-electric-thermal-magnetic' loading module and a control module, is integrated with a high-field-depth 3D (three dimensional) micro-imaging lens, a Raman spectrometer and a visual in-situ monitoring module and is capable of dynamically monitoring deformational behaviors, damage mechanisms and performance evolvement rules of the material in a loading process. The in-situ testing machine has the advantages that the whole structure is compact, and the space layout is saved; the loads of four manners including 'stretching/compression-torsion-bending-indentation' can be singly loaded, two or more loads can be combined to be loaded as well, and externally-applied physical fields such as heat, electricity, magnetism and the like can be combined to maximally simulate the real working conditions of components of the material, and effective measures and methods are provided for testing the micromechanical performance of the material under a service-approximating condition.