The invention discloses a refined fulvic-acid-containing microbial inoculum and a production method thereof, and relates to the microbial inoculum using biological humic acid and functional bacteria as main raw materials and the production method thereof. The refined fulvic-acid-containing microbial inoculum is prepared by mixing 75 to 80 parts by weight of biological humic acid powder, 10 to 15 parts by weight of an active humic acid liquid, 1.5 parts by weight of bacillus subtilis microbial inoculum and 8.5 parts by weight of a binder, and is a fine grained product with the moisture content of 12%-15%. In the product, organic matters account for 56-58% of the total dry matter weight of the product, fulvic acid in the organic matters accounts for 15.5-16.2% of the total dry matter weight of the product, the living bacterium quantity of bacillus subtilis is more than or equal to 2*108/g, and the fine grained shape means that the weight of fine grains with the size of 0.5-2 mm in the product accounts for more than 80% of the total weight of the product. In the product, the fulvic acid content is high, the functional bacteria content is rich, the fine grained agent form is good, the use amount is low, and the product is suitable for various application modes, all crops and cultivated lands, and has very significant effects on improvement of soil and promotion of production increasing.