The invention relates to clothing degerming liquid and a preparation method thereof. The method comprises the following steps of: preparing mesoporous silicate nano-silver-loaded antibacterial agent suspension; preparing microemulsion containing an organic antibacterial agent; and adding and mixing an emulsifier, a chelating and anchoring stabilizer, a softener and a thickener. The clothing degerming liquid disclosed by the invention has high using safety, clothing degerming rate of over 99 percent and high stability. Due to the adoption of the clothing degerming liquid, after clothes are washed by water for 20 times, the antibacterial ratio of the clothes is still over 90 percent. The clothing degerming liquid has excellent antibacterial and durable performances, is non-toxic, has no irritation on the skin and has a deodorization effect on fabrics. The clothing degerming liquid disclosed by the invention has simple production process and low equipment investment, is easy for industrial production, is environmental-friendly and has strong market competitiveness.