The invention provides a data safety storage method of a mobile terminal based on a virtual disk, belonging to the information safety field. The invention firstly creates an independent disk partitionin a hard disk, and simulates a disk partition by creating a file with a fixed size, and then formats the file content into a user-defined file system, so as to simulate the file into a disk, namelya virtual disk. Finally, combining with the real-time encryption technology, the encryption and decryption methods can be added in the process of reading and writing the disk to ensure the security ofthe data. The invention customizes the encrypted file system for the independent disk partition, constructs the encryption and decryption pipeline of the plaintext in the memory and the ciphertext onthe disk, avoids the plaintext traces left by the disk, and provides transparent data protection. The invention has higher security and flexibility, provides powerful protection for data in mobile terminal, can customize encrypted file system and identity authentication mechanism, and also can provide multiple encryption algorithms and working modes.