The invention discloses a finish machining grinding machine and a using method. The finish machining grinding machine structurally comprises a machine head structure, a machine handle, a machine body and a machine tail, wherein the machine head structure is connected with the machine body in an installing mode, the machine body and the machine tail are embedded, the machine head structure is composed of a grinding material and a machine head, the grinding material is connected with the machine head in an installing mode, the grinding material comprises a grinding outer ring and a grinding inner circle, and the grinding outer ring and the grinding inner circle are embedded. According to the finish machining grinding machine, the machining mode that the outer ring is combined with the inner circle is adopted for grinding materials, the grinding outer ring is finely ground, the grinding inner circle is ground, grinding is realized, broken abrasive particles are collected, the machine head is pushed through the stacking of the abrasive particles, the rotating speed of the abrasive materials is changed, the hardness and toughness during grinding are enhanced, the sharpness is improved through the hardness, the attaching distance between the grinding material and a grinding piece is increased, so that the toughness is improved, and the machining quality is improved.