The experiment of 975nm continuous wave laser irradiating carbon-fiber reinforced resin composite was studied, while the front surface of the target was provided with and without tangential airflow. Analysis indicates that the loading of tangential airflow can enhance the damage effect of laser on carbon-fiber composite. The failure mechanism of carbon-fiber composite irradiated by laser is preliminarily studied in theory. Based on the oxidation characteristics and the oxidation reaction mechanism of carbon, the oxidation rate equation of carbon-fiber was obtained. The three-dimensional temperature field model of thermally decomposing resin composite irradiated by laser was solved using modified smoothed particle hydrodynamics, the failure mechanism of carbon-fiber composite irradiated by laser was numerical simulated. Simulation results proved to be consistent with experimental results.