The invention discloses a spray-filmed composite material for fruit and vegetable or crop bagging, as well as preparation and application thereof, and belongs to the field of functional composite materials and fruit and vegetable or crop bagging. The material is prepared from the following components in parts by mass: 5-30 parts of a film-forming substance, 58-94 parts of a dispersing agent, 1-10 parts of a pesticide-loading reinforcing material, 0.1-2 parts of an insect-proofing disease-resisting agent and 0-0.1 part of dye. The material has multiple colors and excellent insect-proofing disease-resisting performance, can be adhered to the surface of fruits and vegetables or crops to form a film to achieve the aim of bagging, does not influence growth of the fruits and vegetables or crops, does not have toxic or side effect, and can sustainably release insect-proofing disease-resisting substances. The material is simple in preparation method and low in raw material cost, can be used for replacing pesticide to solve the problem of pesticide residue, can be used for producing green organic foods, has long acting duration for 1-3 months, and can be used for preventing insects and resisting diseases for fruits, vegetables, crops, flowers, woods and the like.