The present invention provides a highly flexible near-infrared reflecting film which has achieved good near-infrared reflection characteristics by comprising layers that have different refractive indexes and which is not susceptible to bending or cracks. This near-infrared reflecting film has a multilayer film, in which films having refractive indexes different from each other are laminated, on a film, and is characterized in that: the difference of the refractive indexes between at least two adjacent layers is 0.3 or more; at least one of the two adjacent layers contains a metal oxide; and at least one of the two adjacent layers contains a polyvinyl alcohol or an inorganic polymer.