The work aims to find an innovative design mode that can better apply intangible cultural heritages to cultural and creative products with silk mosaic technique as an example, to solve the problems of single form and content of cultural and creative products and rigid combination of traditional Chinese intangible cultural heritages and cultural and creative products. The cultural factors of silk mosaic are investigated and analyzed. The three cultural factors of shape, pattern and color are extracted and reconstructed by the DS-SG-KE method from the dominant and recessive characteristics. And the resources are integrated by constructing the cultural factor database of silk mosaic. Through design practice, pendant accessories are used as design carriers, and the creative design of cultural and creative products of two styles is carried out based on the cultural factor database of silk mosaic. It verifies the feasibility of the innovative design mode of silk mosaic cultural and creative products and provides a new design mode and thought for combination of traditional culture intangible cultural heritages and cultural and creative products.