Three-point safety belt and vehicle having same

A three-point safety belt, comprising a belt body, a winder, a shoulder belt guide ring and a lock tongue, the winder and the shoulder belt guide ring being fixed to a vehicle body, the winder being located under the shoulder belt guide ring, the lock tongue being disposed on the belt body, the lock tongue dividing the belt body into a shoulder belt for restraining the chest of the passenger and a waist belt for restraining the abdomen of the passenger, the shoulder belt passing through the shoulder belt guide ring, wherein a free end of the shoulder belt which is away from the lock tongue and a free end of the waist belt which is away from the lock tongue are both retracted within the same winder, and the winder synchronously retracts or releases the shoulder belt and the waist belt, the winder comprises a winder housing and a belt guide bracket, the winder housing is fixed to the vehicle body, and the winder housing has an opening from which the shoulder belt and the waist belt are drawn out, the belt guide bracket is fixed to the winder housing and next to the opening, when the belt body is drawn out or taken up, the belt guide bracket contacts with the waist belt and guides the draw-out or take-up of the waist belt.