The invention belongs to the technical field of fertilizer, and particularly relates to biological-envelope organic and inorganic microbial fertilizer and a preparation method thereof. The fertilizer is prepared from, by weight, 10-30% of compound microorganism bacterium agents, 10-50% of major elements, 2-15% of medium trace elements, 5-50% of organic matter, 10-40% of calcium carbonate, 10-40% of kieselguhr and 1-10% of lactate, wherein the organic matter comprises one or more of molasses, polyaspartic acid and humic acid. According to the biological-envelope organic and inorganic microbial fertilizer and the preparation method thereof, the compound microorganism bacterium agents are used, so that the microorganism bacterium agents and the major elements can be applied together and the activity of the major elements cannot be lowered, the strain survival rate is high, the chemical fertilizer applying quantity is reduced, soil is improved, the soil fertility is enhanced, the soil ecology environment is improved, and the crop quality and yield are improved.