A preparing method of an environmental friendly flame-retardant polycarbonate composite material is disclosed. The method includes mixing nanometer zinc oxide, nanometer titanium dioxide, nanometer aluminium hydroxide, glass fibre, kaolin, nanometer zinc stannate, ferrocene, zinc molybdate, basic sodium aluminium carbonate, calcium stearate, zinc stearate and a silane coupling agent KH-540 to obtain a modified filler; melting and extruding polyvinyl butyral, polyvinylidene fluoride, octafluoro-diphenyl diglycidylether, styrene-acrylonitrile copolymer, melamine resin and the modified filler in a twin-screw extruder to obtain dispersed master batch; adding polycarbonate, the dispersed master batch, tris(2,4-diisobutyl) phosphate, hexaphenoxycyclotriphosphazatriene, potassium perfluorobutanesulfonate, bisphenol A bisphthalonitrile, a plasticizer and an oxidant into a twin-screw extruder, melting and extruding. The composite material prepared by the method is good in heat resistance and excellent in flame retardance.