The invention discloses a whitening cosmetic product, a preparation method and application thereof. The whitening cosmetic product comprises the components in percentage by mass: 0.00001to 0.001 percent of recombined human angiogenin, 0.00001 to 0.001 percent of metallothionein, 0.00001 to 0.001 percent of human epidermal growth factor, 0.00001to 0.001 percent of IL-1RA, 0.1 to 0.5 percent of superoxide dismutase, 0.1 to 0.5 percent of low molecular liquaemin, 1 to 5 percent of arbutin, 5 to 25 percent of stabilizer, 0.02 to 0.3 percent of hyaluronic acid, 0.5 to 5 percent of methylpropanediol, 0.5 to 3.5 percent of lactobacillus / mung bean fermentation liquid, 0.5 to 5 percent of dissolved protease, 0.5 to 8 percent of vitamin C sodium phosphate, 0.3 to 0.7 percent of 1,2-hexanediol or 1,2-capryl glycol, 1 percent to 5 percent of oat Beta-glucan, 1 to 5 percent of soy isoflavone and the balance of water. The whitening cosmetic product can be preserved for a long time, has no side effect on skin and is suitable for long term use.