NOVELTY - Preparation of bio-organic fertilizer comprises mixing crushed domestic garbage with 50-60% moisture content with fermenting agent; further mixing with sludge, chicken manure, alcohol waste tank liquor, weathered coal, and vermiculite; fermenting at 60-70 degrees C with overturning operation until temperature is reduced at 30 degrees C by end of fermentation for 35-45 days; uniformly mixing fermented material with Bacillus subtilis, Bacillus licheniformis, and Streptomyces at 10-15 wt.%; and pelletizing to obtain bio-organic fertilizer.    USE - Preparation of bio-organic fertilizer.    ADVANTAGE - The method provides quick degradation of organic matter in waste according to non-edible plant cultivation cycle; prolongs nutrient release cycle, and improves waste utilization. It uses microorganisms to improve plant disease resistance, stress tolerance, promotes root development, improves plant fat absorption capacity, reduces soil compaction, and improves soil ecological environment.    DETAILED DESCRIPTION - Preparation of bio-organic fertilizer comprises mixing crushed domestic garbage with 50-60% moisture content with fermenting agent at weight ratio of 1000:(1-3); further mixing with sludge, chicken manure, alcohol waste tank liquor, weathered coal, and vermiculite; putting into fermenting tank at 50-60 wt.% of fermentation tank; fermenting at 60-70 degrees C with overturning operation until temperature is reduced at 30 degrees C by end of fermentation for 35-45 days; uniformly mixing fermented material with Bacillus subtilis, Bacillus licheniformis, and Streptomyces at 10-15 wt.%; and pelletizing to obtain bio-organic fertilizer. An INDEPENDENT CLAIM is included for coating of bio-organic fertilizer by weighing bio-organic fertilizer at 8-10 wt.% of sepiolite; soaking sepiolite in 10-15% hydrochloric acid for 3-4 hours; washing with de-ionized water; soaking in 10-12 % sodium hydroxide solution for 3-4 hours; washing with deionized water until neutral; calcining at 500-530 degrees C for 4-5 hours; crushing into powder; adding sepiolite with 5-6 times water; adding 2-3% sodium lauryl sulfate, 1-2% Peregal 0 (RTM: Fatty alcohol-polyoxyethylene ether) , 4-5% wintergreen oil, and 3-5% aluminum hydroxide; stirring at 1200-1500 revolutions per minute to obtain dispersion liquid; spraying dispersion liquid on bio-organic fertilizer particle; drying; spraying with pyrethroid ester mixture; and optionally drying.