Fibrous tarpaulin serves as the core barrier that protects goods, people, or areas from the adverse impacts of the external environment, such as rain, dust, and sunlight. However, conventional tarpaulins exhibit inadequate mechanical properties, a low solar reflectance, and are susceptible to pollution. To address these issues, a bioinspired polylactic acid/polyethylene glycol @silicon dioxide (PLA/PEG@SiO₂) microfibrous tarpaulin with a dual-layer heterogeneous structure was fabricated via in-situ drafting melt-blowing combined with thermal bonding, inspired by the layered structure of shells. This bioinspired dual-layer heterogeneous structure, with an adjustable heterodyne angle and SiO₂ size gradient, significantly improved the mechanical performance of the PLA/PEG@SiO2 microfibrous tarpaulin, and specifically manifested as an increase in the bursting strength of the sample to 25.5 N. Moreover, PLA/PEG@SiO2 microfibrous tarpaulin demonstrated excellent anti-pollution properties, effectively repelling liquids and dust. Additionally, its radiative cooling efficiency was notably enhanced, achieving a temperature reduction of ~9.8 °C compared with conventional fabrics, with reflectance of ~88.6 % and emissivity of ~98.3 %. These findings suggest that dual-layered PLA/PEG@SiO₂ microfibrous tarpaulin with multifunctional capabilities is a promising candidate for radiative cooling in outdoor shelters, wearable cooling devices, and energy-efficient building insulation materials.