Highly nonlinear photonic crystal fiber has the characteristics of small core and large refractive index contrast. In this work, the photonic crystal fiber (PCF) with a special structure based on Bi₂O₃-GeO₂-Ga₂O₃ core glass material was designed. Using full-vector finite element method while the perfect matched layer boundary condition, the birefringence coefficients of the PCF at the wavelengths of 1.55 μm and 1.80 μm are 2.89×10^-2 and 3.28×10^-2, respectively. The dispersion curve shows, when the ellipticity of the inner cladding elliptical air hole is 0.6, the photonic crystal fiber with structural parameters M=d/Λ of 0.5 and 0.6 has two zero dispersion points, indicating it has negative dispersion characteristics. The limiting losses of X polarization and Y polarization at 1.55 μm are 3.8784×10^-5?4.5739×10^-5 dB·km^-1 and 3.5203×10^-5?4.2147×10^-5 dB?km^-1, respectively. This work provides reference for nonlinear optical fiber fields such as optical communication and microstructure optical fiber sensor.