The invention provides a carbon-loaded kernel-shell copper-palladium-platinum catalyst for a fuel battery and a preparation method thereof. Conductive carbon black is used as a carrier, an active component is a copper-palladium-platinum alloy with a nuclear-shell structure, wherein the copper palladium is a kernel, the platinum is a shell, and the catalyst comprises the following ingredients by mass percent: 70 to 91 percent of conductive carbon black, 2 to 10 percent of copper, 2 to 10 percent of palladium and 5 to 10 percent of platinum. A two-step reduction method is utilized, namely, low-activity metal is firstly reduced, then the active precious metal is reduced, the precious metal is precipitated on the surface of the non-precious metal by controlling the reaction temperature and the pH value, and a kernel-shell catalyst is formed through a dealloying step; and in addition, the carbon carrier is added in the preparation process, so that the nano metal particles can directly grow on the carrier, the combination of the catalyst particles and the carbon carrier can be enhanced, and the catalyst is more stable. Due to the adoption of the preparation method, the catalyzing efficiency of the catalyst and the utilization rate of the precious metal can be greatly improved, and the development of the fuel battery can be promoted.