The invention discloses a vehicle-mounted hydrous ethanol low-temperature reforming hydrogen production method and device and an application system. The method comprises the following steps: reforming hydrous ethanol into hydrogen-rich gas by virtue of two-stage catalysis by utilizing automobile engine waste heat, and introducing the hydrogen-rich gas into the automobile engine to perform the mixed combustion process with fuel oil. According to the device and application system, large catalyst contact surface area is generated by utilizing a two-stage honeycomb titanium mesh structure, and miniaturization of a reforming hydrogen production device is promoted, so that vehicle-mounted online hydrogen production is possible. According to the two-stage catalysis structure, the mutual synergistic effect of the catalyst is achieved, and the problems that the ethanol conversion efficiency is low, the hydrogen selectivity is low and the like due to use of a single catalyst are solved; and moreover, in a low-temperature environment, according to the mutual synergistic effect of basic catalysts, the sintering and carbon deposit problems of the catalyst are solved, and the service life of the catalyst is prolonged. By utilizing the automobile tail gas waste heat, the automotive online hydrogen doping aim is achieved, the combustion efficiency of fossil fuel is improved, and the emission amount of harmful substances of the automobile engine is reduced.