研究了水云光学特性对大气偏振特性的影响，对水云条件下大气偏振模式进行了仿真。使用基于蒙特卡罗法的矢量辐射传输模式，模拟350~700 nm波长下大气偏振特性随水云的光学厚度、有效半径的变化趋势。通过计算450 nm波长处不同太阳高度角下的全天空离散点的Stocks矢量，对水云下大气的偏振分布模式进行研究，并与晴朗大气下的天空光偏振度和偏振方位角模式进行分析比对。结果表明，波长越大，偏振度随水云光学厚度增大而减小的趋势越明显。随着有效半径的减小偏振度有一定程度的减小，但对短波波段影响较小。随着太阳高度角的增大，天空可探测区域整体偏振度下降。天空光的偏振度近0区域，会对其附近偏振方位角的准确性产生一定影响。水云天气下的大气偏振分布研究为偏振光导航传感器的实际应用提供了理论基础。

The impact of water cloud optical properties on atmospheric polarization properties is researched, and atmospheric polarization pattern under water cloud condition is simulated. By using the polarized radiative transfer based on Monte Carlo model, the changes of atmospheric polarization properties with the optical thickness and effective radius of water cloud from 350 nm to 700 nm are simulated. By calculating Stocks vector of discrete points in the whole sky, atmospheric polarization pattern of water cloud is researched and compared with the polarization pattern of clear sky. The results show that the degree of polarization (DOP) decreases with the increasing of water cloud optical thickness, which is more obvious with the wavelength upward trend. DOP decreases with the fall of effective radius to a certain extent, but it has less influence on short wavelength. With the increasing of solar altitude angle, DOP of the whole sky becomes lower. The area of DOP at about 0 makes the angle of polarization (AOP) imprecise. The research on atmospheric polarization pattern of water cloud provides theoretical basis for the specific application of polarization navigation sensor.