In this paper, we design and construct a multi-label image annotation and retrieval system. Various MPEG-7 low level visual features are employed for representing images. For image annotation, a bi-coded genetic algorithm is employed to select optimal feature subsets and corresponding optimal weights for every one vs. one SVM classifiers. After an unlabelled image is segmented into several regions, pre-trained SVMs are used to annotate each region, final label is obtained by merging all the region labels. Based on multi-label of image, image retrieval system provides keyword-based image retrieval service. Multi-labels can provide abundant descriptions for image content in semantic level, high precision annotation algorithm further improve annotation performance.