A fusion approach is proposed to refine the resolution of urban multi-spectral images using the corresponding high-resolution panchromatic (PAN) images. Firstly, the two images are decomposed by wavelet transformation, and five texture features are extracted from high-frequency detailed sub-images. Then a multi-characteristics fusion rule is used to merge wavelet coefficients from the two images according to the extracted features. Experimental results indicate that, comparing with the non-characteristic methods, the proposed method can efficiently preserve the spectral information while improving the spatial resolution of the urban remote sensing images.