The invention provides a frequency divided type solar full-spectrum utilizing system with low concentrating photovoltaic-high concentrating photothermal / thermoelectric coupling. The solar full-spectrum utilizing system comprises a high power frequency divided concentrator based on low concentrating photovoltaic, a photothermal / thermoelectric composite heat collector tube, a photothermal second-grade concentrator and a real-time sunlight tracking system. The high power frequency divided concentrator based on low concentrating photovoltaic comprises spectrum selective transmission glass, a lower concentrating photovoltaic concentrator, a photovoltaic battery and heat dissipating fins. The photothermal / thermoelectric composite heat collector tube comprises a glass outer pipe, a ring type metal inner pipe, a glass inner pipe and a thermoelectric device, wherein the glass outer pipe, the ring type metal inner pipe, the glass inner pipe and the thermoelectric device are coaxially arranged. According to the solar full-spectrum utilizing system, electricity generating can not only be conducted through photovoltaic, thermoelectricity and a heat engine, but also thermochemistry stored energy can be utilized, so that high efficiency utilizing of the solar full spectrum is realized. Furthermore, the solar full-spectrum utilizing system is low in cost, broad in application scope, high in social and economic benefit and wide in market prospect.