The invention discloses a method for culturing luminous pearls with pinctada martensi. The method for culturing the luminous pearls with pinctada martensi includes the following steps of selecting waters, wherein the waters with tropical or subtropical monsoon climates are selected, the waters are high in seawater salinity, large in evaporation capacity, good in water quality and free of pollution, and indexes of cadmium, lead, arsenic, mercury and polychlorinated biphenyl in the waters all accord with national marine quality first-class standards; selecting insertion nuclei, wherein digestionliquid is prepared with trypsin, required small piece shells are dissociated, small piece shells with mantle cell pieces are selected, and the small piece shells had better be white; culturing pearlsacs, wherein luminous pearl nuclei are painted with fibronectin, poly-lysine, rat tail collagen and an SM substance, high-pressure steam sterilization is conducted after drying, cell suspension of mantle tissue is sucked and dropped on the luminous pearl nuclei, mantle tissue blocks are attached to the luminous pearl nuclei, and then a medium is sucked and dropped to conduct culturing for three days. The method for culturing the luminous pearls with pinctada martensi has the advantages of increasing the yield, improving the quality of the pearls and making the pearl industry actually achievehigh yield and high quality.