The invention discloses a low-temperature 3D printing method for degradable waterborne polyurethane with biological adaptability. The method specifically comprises the following steps: constructing athree-dimensional CAD data model; preparing waterborne polyurethane and loading a biological active factor, thereby obtaining 3D printing ink; and according to the CAD data model, performing low-temperature deposition printing, and combining freeze-drying to obtain a 3D printed bionic artificial organ or tissue engineering scaffold. 3D printing ink prepared by the method takes water as a solvent,is safe and non-toxic, and does not need to add with a tackifier; the printed bracket is kept good in shape without collapse, is controllable in degradation rate, and has mechanical property adaptiveto a living body. Water can be taken as a dispersion medium for conveniently encapsulating a biological active factor or a drug in a customized tissue engineering product, so that the low-temperature3D printing method is expected to be used to the in-vitro bionic artificial organ or repair of one or more of blood vessels, cartilages, nerves, tendons meniscuses or soft tissues.