The invention discloses a mobile terminal waterproof structure and a mobile terminal. The mobile terminal waterproof structure comprises a card-taking pin hole arranged on a mobile terminal shell, a sealing plug is arranged in the card-taking pin hole, one end of the sealing plug is contacted with a card-taking pin, the other end of the sealing plug is contacted with a card seat pull rod, and a card holder is popped out of the mobile terminal shell by the card seat pull rod. According to the mobile terminal waterproof structure, the mobile terminal shell is provided with the card-taking pin hole, the sealing plug is arranged in the card-taking pin hole, one end of the sealing plug is contacted with the card-taking pin, the other end of the sealing plug is contacted with the card seat pull rod, and the card holder is popped out of the mobile terminal shell by the card seat pull rod; the sealing plug is arranged in the card-taking pin hole so that the card-taking pin hole is effectively sealed, the waterproof and dustproof abilities of the mobile terminal are improved, and cards such as SIM cards or SD cards in the mobile terminal can be prevented from corrosion; and the mobile terminal waterproof structure is also advantaged by simple assembling and low cost.