In this study, in order to manufacture a composite yarn with excellent flame retardancy and resistance to external loads, a composite yarn was prepared by mixing oxi- PAN fiber and para-aramid fiber, and then the composite yarn and FR (flame resistance) rayon fiber were used. fabrics were woven, and the optimal weaving conditions were selected by analyzing the thermal and physical characteristics according to the weaving conditions. A hot-melt type adhesive was used to adhere aluminum-coated polyethylene terephthalate (PET) to the surface of the woven fabric, and the radiant heat protection performance and heat resistance characteristics were analyzed according to the type of adhesive. Based on the physical property DB (in-put data) of the manufactured heat-dissipating fabric, heat-resistance performance prediction simulation was conducted when the heatdissipating fabric was worn and when it was not worn. As a result of predicting the temperature change on the surface of the human body when the external heat load is 250℃ and the heat exposure time is 8 seconds, when wearing heat radiation clothing, the human body surface temperature is reduced by up to 8.6%. As a result of correlation analysis between the simulation result and the actual test, it was confirmed that the temperature change in the actual experiment was 38.9℃, which differed by 1.2% from the simulation result.