The invention relates to a cooling, heating and generation and hot-water supply combined system driven by a proton film fuel cell. The cooling, heating and generation and hot-water supply combined system comprises the fuel cell, a first water pump, an auxiliary heating device, a second water pump, a third water pump, a storage heat exchange device, an absorptive cold and hot water unit, a fan coiler and air-conditioner end equipment, which are communicated through pipelines. The waste heat of the fuel cell is utilized, and solar renewable energy sources are introduced, so that the problems of generation of living buildings, heating in winter, cooling in summer and daily water usage of buildings are solved. Combining waste heat of the natural gas fuel cell with the solar hot water system, high-temperature hot water is generated, the absorptive cold and hot water unit can be started for cooling and heating of an air conditioner, hot water flowing out of the absorptive cold and hot water unit can be used for daily life after treated through a heat exchanger, gradient utilization of the energy sources is realized and utilization rate of fossil fuel is increased.