The invention provides a fluosilicic modification water-soluble acrylic resin dispersion and an application thereof. The dispersion is prepared from 20-50% of non-functional (methyl) acrylic ester, 5-35% of fluorinated acrylic ester monomer, 5-15% of carboxyl group-containing alkene monomer, less than or equal to 15% of vinyl monomer, 2-20% of (methyl) hydroxyl acrylate, 1-5% of organic silicon modified monomer, 15-30% of low carbon alcohol, 0.5-4% of inhibitor and 0.1-1.8% of molecular regulator according to a radical solution polymerization method. Based on solid parts, the acidic value of the dispersion is 20-100 mg KOH / g; the glass-transition temperature is 5-40 DEG C; the dispersion has a good appearance and dispersion stability as well as good water diluent property; a film obtained by cross-linking and curing a polycarbodiimide cross-linking agent and the dispersion has excellent water tolerance, solvent tolerance, high temperature tolerance, smooth property, stain tolerance and humidity resistance; the adhesion and hardness are improved; and the dispersion has strong practicable value and can be used for substrates such as wooden wares, metals, plastics and the like.