The invention relates to a micro emulsion toning lotion added with pearl hydrolysate liposome, prepared by mixing and then carrying out high speed homogenizing on xanthan gum, butanediol, methylparaben, glycerol, pearl hydrolysate liposome, allantion, C20-22 phosphate / C20-22 fatty alcohol, 1-methyl hydantoin-2-imide, trimethyl glycine, triethanolamine, dicaprylyl carbonate, polydimethylsiloxane, phenoxyethanol, caprylylglycine, hydroxyethyl acrylate / sodium acryloyldimethyl taurate copolymer, polyquaternium-51, essence and deionized water. The process in the invention is simple, the active ingredients and active substances in the pearl are effectively utilized, multiple active ingredients are organically combined, thus melanin can be lightened, skin colour can be brightened and moisture required by skin can be replenished, pores can be shrinked, grease secretion is balanced, and the effects of whitening and brightening the skin colour can be achieved.