Abstract: The construction of the check matrix and the coding and decoding algorithms of low density parity check (LDPC) are introduced. The adaptive loading technique of orthogonal frequency division multiplexing (OFDM) and multiple-input multiple-output (MIMO) are discussed. The model of the LDPC coded MIMO-OFDM system with adaptive-loading is given. The performance of the system under multiple-path rayleigh fading channels is simulated and analyzed. It is obtained that the performance of irregular LDPC coded system based on GF(2)is better than that based on GF(q,q<>2), The presented MIMO-OFDM system can greatly enhance the transfer rate and has an excellent anti-fading feature under multiple-path fading channels.