The invention discloses a composite microbial inoculum fertilizer. The invention is characterized in that the fertilizer is prepared from the following components in parts by weight: 6-8 parts of composite microbial inoculum, 25-35 parts of potassium sulfate, 40-55 parts of urea, 35-50 parts of calcium superphosphate, 150-175 parts of biomass power plant ash, 300-330 parts of sawdust, 200-250 parts of biological carbon, 100-115 parts of medical stone powder, 120-125 parts of zeolite powder and 7-9 parts of soil conditioner. The effective components of the composite microbial inoculum comprise Bacillus licheniformis, Bacillus pumilus, Bacillus lateraporus, Bacillus megaterium and silicate bacterium. The composite microbial inoculum is added to the product to improve the microflora distribution and microenvironment in soil; and the abundant generated derivatives chelate or block the direct damage of heavy metals to the tobacco to some extent, and have the function of restoring the polluted soil. The soil conditioner contains bowlder which contains abundant microelements beneficial to the human body, and the microelements are absorbed by the crops and converted through the food chain so as to be beneficial to the human body; and meanwhile, the adsorption component can effectively adsorb and solidify toxic heavy metal elements in soil, reduce the heavy metal elements absorbed by the crops, and enhance the crop yield.