The invention relates to a powder paint, particularly a low-gloss high-reflectivity thermal-insulation powder paint. The powder paint is prepared by adding nano zirconium dioxide, a curing accelerator, a cold pigment, a filler and assistants into high-acid-value super-weather-resistance carboxyl-terminated matting polyester used as a base material. The low-gloss high-reflectivity thermal-insulation powder paint only has 3-7 units of gloss, has the ultraviolet long-wave/medium-wave and infrared reflectivity of higher than 85%, can effectively obstruct 85-90% of the sunlight long/short-wave heat source, has greatly lower the short-wave absorptivity and low heat conductivity coefficient (not more than 0.0563 W/m.K), has favorable weather resistance and thermal insulation property, and can low lower the thermal-insulation function due to the pollution on the coated film surface. The low-gloss high-reflectivity thermal-insulation powder paint has light gloss, high reflectivity, low heat conductivity coefficient, low heat storage coefficient and other heat engineering properties, and is an energy-saving environment-friendly paint which has the advantages of zero VOC (volatile organic compound) emission, high adhesiveness, long service life, thermal insulation, moisture resistance, flame retardancy, electric insulation, fire resistance and no peculiar smell.