The invention discloses a flame-retardant antibacterial finishing method for cellulose carpets. The method comprises the following steps: adopting a flame-retardant antibacterial finishing agent compounded by taking organic phosphorous compounds and active amino organic lipid compounds as main components; uniformly laying a small-size carpet on a processing table and uniformly spraying the compounded finishing agent on the front of the small-size carpet; extruding water in the carpet through an extrusion device and appropriately adjusting the extrusion height of the extrusion device according to the thickness of the small-size carpet; primarily determining drying time according to the moistening degree of the small-size carpet absorbing the finishing agent and drying the small-size carpet at the temperature of between 100 and 120 DEG C for 2 to 10 minutes so as to ensure that the moisture-containing rate is between 4 and 10 percent; and allowing the finishing agent and cellulose fiber to be fully combined through 2 to 10 minutes of high-temperature baking at the temperature of between 90 and 140 DEG C so as to ensure that the moisture-containing rate after drying is not more than 10 percent. The method has the advantages of ensuring that the small-size carpet finished by the method still has flame-retardant, antibacterial and anti-mite function for a long time after washing and is safe and sanitary, effectively reducing fire loss, ensuring life and property safety and effectively reducing and eliminating mites.