Finishing technology and thermoregulation effect of polyurea microencapsulated phase change material on cotton fabric were discussed.The prepared microencapsulated phase change material were finished on cotton fabric by padding way.The effects of the padding way,the dosage of microencapsulated phase change material,the dosage of binder and the baking temperature on the weight gain rate,the thermal storage property and the washing resistance of the treated fabric were studied.The surface morphology and thermoregulation property of the finished fabric were also analyzed.The results show that the better finishing way of thermoregulation cotton fabric is two soaking and two padding finishing way,the dosage of microencapsulated phase change material is 150 g/L,the dosage of binder is 40 g/L,the baking temperature is 130 ℃.It is considered that the prepared thermoregulation fabric has obvious buffer effect on temperature variations outside and better temperature adjusting function.