A water-cooled electric engine comprising a housing, a fore bearing, a shaft, a rotor, a stator, an oil-lubrication mechanism for the fore bearing, wherein the oil-lubrication mechanism comprises a gear-splashing oil-storage structure configured to be provided in a gearbox or a reduction gearbox, and a bearing-baffle oil-storage structure provided at a front end of the water-cooled electric motor , the gear-splashing oil-storage structure and the bearing-baffle oil-storage structure are communicated by an oil conduit , and the bearing-baffle oil-storage structure and the gearbox or the reduction gearbox are communicated by an oil return tube ; and a gear in the gearbox or the reduction gearbox in operation throws a lubricating oil into the gear-splashing oil-storage structure, and the lubricating oil is delivered via the oil conduit into the bearing-baffle oil-storage structure, thereby lubricating the fore bearing of the water-cooled electric motor , and subsequently the lubricating oil flows back into the gearbox or the reduction gearbox via the oil return tube ; the bearing-baffle oil-storage structure comprises a bearing seat provided at a front end of a housing of the water-cooled electric motor , the fore bearing of the water-cooled electric motor is provided in the bearing seat, characterized in that a bearing baffle for half-closing the bearing seat is provided at a rear end of the bearing seat, the fore bearing of the water-cooled electric motor presses against the bearing baffle , and the lubricating oil stored at a bottom of the bearing seat lubricates the fore bearing of the water-cooled electric motor ; and a gap is provided between an inner bore of the bearing baffle and the shaft of the water-cooled electric motor, and when a liquid level of the lubricating oil stored at the bottom of the bearing seat is higher than an edge of the inner bore of the bearing baffle , the lubricating oil flows out of the bearing seat, and flows into the housing of the water-cooled electric motor . a gear in the gearbox or the reduction gearbox in operation throws a lubricating oil into the gear-splashing oil-storage structure, and the lubricating oil is delivered via the oil conduit into the bearing-baffle oil-storage structure, thereby lubricating the fore bearing of the water-cooled electric motor , and subsequently the lubricating oil flows back into the gearbox or the reduction gearbox via the oil return tube ; the bearing-baffle oil-storage structure comprises a bearing seat provided at a front end of a housing of the water-cooled electric motor , the fore bearing of the water-cooled electric motor is provided in the bearing seat, characterized in that a bearing baffle for half-closing the bearing seat is provided at a rear end of the bearing seat, the fore bearing of the water-cooled electric motor presses against the bearing baffle , and the lubricating oil stored at a bottom of the bearing seat lubricates the fore bearing of the water-cooled electric motor ; and a gap is provided between an inner bore of the bearing baffle and the shaft of the water-cooled electric motor, and when a liquid level of the lubricating oil stored at the bottom of the bearing seat is higher than an edge of the inner bore of the bearing baffle , the lubricating oil flows out of the bearing seat, and flows into the housing of the water-cooled electric motor . <EOS>