The invention discloses pectin-modified micro-emulsion cutting fluid. The pectin-modified micro-emulsion cutting fluid is prepared from the following raw materials: refined mineral oil, TEA-lauryl sulfate, polyoxyethylene lauryl ether, cocamidopropyl betaine, fatty alcohol-polyoxyethylene ether, triethanolamine, antifoaming agent, amide borate, palmitic acid, sodium chloride, glycerol, tetraethoxysilane, oleic acid, acrylamide, azodiisobutyronitrile 3-4, aluminum borate whisker, pectin, dihydroxyl pentasulfide, a proper amount of ethyl acetate, a proper amount of ammonia water, a proper amount of absolute ethyl alcohol and a proper amount of deionized water. The prepared micro-emulsion cutting fluid has very high anti-friction extreme pressure performance, can be used for preventing adhesive wear of tools, increasing surface machining accuracy and prolonging the service lives of the tools, can meet the cooling performance in a machining process, and has a good cleaning effect; through a unique formula design, the pectin-modified micro-emulsion cutting fluid has very high biological stability and a long life cycle, and is free from irritation and pollution.