To improve the fire safety of polyacrylonitrile (PAN) and expand its application area, flame retardant and antibacterial PAN composite was prepared by a simple and environmentally friendly method. First, AgNO3 and NaBH4 solutions were added to the microcrystalline cellulose (MCC) aqueous suspension to prepare MCC loaded Ag nanoparticles (Ag NPs) (MCC/Ag) by in situ reduction. Then, MCC/Ag was mixed in PAN solution to prepare MCC/Ag/PAN composite, which was then phosphorylated by phytic acid (PA) to obtain flame retardant MCC/Ag/PAN composite (FR-MCC/Ag/PAN). FR-MCC/Ag/PAN could achieve self-extinguishing with limiting oxygen index (LOI) value of 36.8 %. The thermogravimetric results showed that phosphorus-containing acids accelerated the char-forming ability of FR-MCC/Ag/PAN, and the final char residue was up to 29.76 % in air atmosphere. Thermogravimetric coupled with Fourier transform infrared spectroscopy (TG-FTIR) and scanning electron microscope (SEM) showed that FR-MCC/Ag/PAN formed an expanded and dense char layer after combustion, suppressing the release of low molecular toxic gases. Moreover, FR-MCC/Ag/PAN showed favorable inhibition of Escherichia coli (E. coli) and Staphylococcus aureus (S. aureus). This work proposed a novel method for developing flame retardant and antibacterial PAN material, which broadened the application field of polyacrylonitrile.