The invention discloses skin-care permanently-antibacterial DP finishing liquid for shirts and a finishing method. The skin-care permanently-antibacterial DP finishing liquid is prepared from gelatin, Arabic gum, Flos Lonicerae extract, Chinese gall extract, Tween 60, span-80, 25% glutaraldehyde, an emulgator SPO10, butanetetracarboxylic acid, ammonium citrate, triethanolamine, lauric acid, sodium hypophosphite, boric acid, a diphenylethene disulfonic acid derivative, boron trifluoride diethyl etherate, PEG 1500, methylsiloxane, chitosan, N,N-dimethylformamide, demulsifier N-220 series, an appropriate amount of maleic anhydride and an appropriate amount of water. The skin-care permanently-antibacterial DP finishing liquid for shirts has the advantages that a natural antibacterial active substance is wrapped through advanced microcapsulary and releases slowly to achieve permanent antibacterial and deodorization performance and make wearers feel refreshing and comfortable; fabrics finished by the DP finishing liquid are excellent in wear durability, waterproofing performance and non-ironing performance and highly resistant to crease, thereby being time saving and labor saving and excellent in wearability.