The invention provides an automatic complex document generating method based on XML (Extensive Markup Language) description. The automatic complex document generating method based on XML (Extensive Markup Language) description comprises the following steps of; firstly, executing the step 1 so as to acquire document outline template description; then executing the step 2 so as to parse a document outline template, wherein the steps 3, 4 and 5 are controlled to be performed according to document data and document style template definition information during the step 2 so as to finish acquisition of document relevant data and style templates; subsequently, controlling the steps 6,7 and 8 according to document framework description and associated index information so as to finish document data acquisition and format conversion; then executing the steps 9 and 10 according to document content and style associated information so as to finish document data and style matching and assembling; and finally executing the step 11 according to the document completion condition so as to finish final document output.