The invention relates to solvent type polyurethane resin and a preparation method thereof, and fluoride-free clothes with a lotus leaf effect. The polyurethane resin is prepared from the following rawmaterials according to a formula: polycarbonate polyol, polyether polyol, polyethylene glycol, micromolecular polyol, isocyanate, a solvent, a catalyst, reactive organic silicon oil, fumed silica, aterminating agent and an auxiliary agent. According to the invention: the polycarbonate polyol, the polyether polyol and the polyethylene glycol are combined according to a specific ratio to constitute a macromolecular polyol mixture, while the micromolecular polyol in a specific proportion is matched, and specifically the reactive organic silicon oil and the fumed silica in a certain proportion are matched, so the coating formed by the polyurethane resin prepared by using the preparation method provided by the invention has the advantages of good hydrolysis resistance, aging resistance, moisture penetrability and low surface energy, wherein the surface energy of the coating is 15 to 20N/m, while the surface energy of water is 60 N/m.