A heat-insulating coating for reflecting solar heat rays, which is composed of two parts: a primer and a top-coat. 10-50%, adhesive polymer resin 10-70%; the percentage of solid matter in the top coating is: surface coating reflective heat ray composite material 5-40%, heat reflective material 10-50%, adhesive Polymer resin 10-70%. The coating of the present invention is mainly used as the exterior surface coating of buildings, automobiles, trains, pipelines, storage tanks, etc. When the thickness of the dry coating film is 0.3-0.5mm, the total reflectance to heat rays can reach 85-90%, which can effectively prevent Thermal radiation from the sun.