In order to improve the utilization and stability of loquat flower polyphenols， pectin， sodium alginate and chitosan were used as composite wall materials to prepare loquat flower polyphenols microcapsules. The preparation process of loquat polyphenol microcapsules was optimized by single-factor test and response surface analysis， and the apparent properties， in vitro slow release effect and stability of the microcapsules were evaluated. The results showed that the loquat polyphenol enriched by macroporous resin had higher polyphenol content and biological activity， and was used as the core material of this experiment. The best preparation process of pectin assisted embedding for microcapsules was as follows: pectin to core material mass ratio 1∶2， sodium alginate mass fraction 2.0%， chitosan mass fraction 0.19%， calcium chloride mass fraction 1.5%， pH 5.9. Under these conditions， the embedding rate of microcapsules was (86.98±0.25)%， the drug loading was (38.24±0.49)%， the average particle size was (4.92±0.74) μm， and the shape was nearly spherical. After 6 h of simulated gastroenteric fluid digestion， the cumulative release rate of microcapsules in stomach and intestinal fluid was 19.59% and 82.53%， respectively. In addition， the temperature stability and light stability of loquat flower polyphenols were improved after microencapsulation. The microcapsules prepared by this process can improve the slow-release and stability of loquat flower polyphenols， and improve the utilization rate of loquat flower polyphenols.