The invention relates to suspended particle fermented milk beverage and a preparation method thereof, in particular to a formula and a preparation method thereof, belonging to the technical field of dairy products. The preparation method comprises the following steps: adding white sugar, lactalbumin, dietary fiber (inulin) and the like into fresh milk or reconstituted milk, fermenting the obtained mixed material with lactobacillus bulgaricus, streptococcus thermophilus, bifidobacterium and lactobacillus acidophilus, adding a stabilizer and a diastatic material, sterilizing, cooling, homogenizing, and then adding suspended particles to obtain the high-value suspended particle fermented milk beverage.