The plant honeysuckle extracts were used as reducing agent to prepare nano-zinc oxide and nano-silver, and then the cotton fabrics were treated with nano-zinc oxide alone, or further with nano-silver step by step to prepare multi-functional cotton-based textiles (ZnO-cotton fabric, ZnO/Ag-cotton fabric). The morphology and structure of cotton fabrics before and after finishing were analyzed by SEM, XRD and FTIR, and the versatility of cotton fabrics after finishing was discussed. The results showed that the distribution of nanoparticles on the cotton fabrics were relatively uniform and slightly agglomerated. Compared with ZnO-cotton fabric, the decomposition rates of ZnO/Ag-cotton fabric to methylene blue (MB) and red wine increased by 7.09% and 10.61%, respectively, indicating that nano-silver improved the photocatalytic activity of nano-zinc oxid. Although the adsorption amount of nano-particles in cotton fabrics decreased slightly after 10 times of washing, its decomposition rate to MB still reached more than 80%, indicating that the cotton fabrics has good self-cleaning ability and washing resistance performance after loading nanoparticles. In addition, the UV protection factor (UPF) values of ZnO-cotton fabric and ZnO/Ag-cotton fabric reached 33.23 and 41.06, respectively, and the antibacterial rates against E. coli and S. aureus reached more than 95%, showing excellent UV resistance and antibacterial properties.