Disclosed is a transparent, flame-retardant thermally-insulating, UV-blocking polymer composite film, comprising sequentially from the top: a flame retardant layer, a base layer, a thermal insulation layer, and a UV-blocking layer, having a total film thickness of 1um to 500um, visible light transmittance greater than 80%, UV light transmittance less than 1%, and near-infrared transmittance less than 10%. Also disclosed is a preparation method for the present transparent, flame retardant thermally-insulating, UV-blocking polymer composite film, the technical processes whereof are simple and easy to execute, involve low production costs, and are suitable for industrial mass production. The present transparent, flame retardant thermally-insulating, UV-blocking polymer composite film can be used on such transparent materials and items as glass, windows, protective films, containers and electronic components, and has applications in such fields as construction, transportation, electronics, aerospace and medicine.