The invention relates to a silver, gold nano particle distributed silicon dioxide optical thin-film and a preparation method thereof, belonging to the field of metal nano particle and inorganic non-metallic composite material. In the invention, the method of sol-gel is adopted to prepare simple substance metal nano particle distributed silicon dioxide Ag<x>Au<y>/(SiO2)<1-x-y> composite thin-film, the materials are ethyl orthosilicate, silver nitrate, chloroauric acid, absolute ethyl alcohol and distilled water; the preparation steps are as follows: configuring Aga<>/(SiO2)<1-a>, Aub/(SiO2)<1-b> sol with mol fraction a ranging from 0.02-0.9, mol fraction b ranging from 0.02 to 0.83; adopting a spin coater to coat Aga<>/(SiO2)<1-a>, Aub<>/(SiO2)<1-b> film on a glass substrate in an alternating way to prepare silver, gold single substance metal particle distributed sull thin film with a laminated structure. The method has the advantages that in the process of preparing the silver, gold single substance metal particle distributed sull, stoichiometric proportion of the Ag<x>Auy<>/(SiO2)<1-x-y> thin film can be accurately controlled, silver and gold both exist in the form of single substance, two absorption peaks can be observed within specific range of wavelength, light absorption scope is expanded and fine nonlinear optical characteristics are provided.