NOVELTY - A live microbial composition for fermenting and producing organic fertilizer, comprises Cellulomonas fabia, Bacillus sterothermophilus, Lactobacillus, Methanobacterium, Thiobacillus, Bacillus licheniformis, Bacillus polymyxa, Streptomyces, Thermoactinomyces, Thermonospora, Azotobacter, Nitrosomonas, Nitrobacter, Rhizobium, Aspergillus oryzae, Saccharomyces, Penicillium, Humicola, Rhizopus and Mycorrhiza.    USE - The live microbial composition is used for fermenting and producing a microbial agent and an organic fertilizer, and for producing plants with disease resistance and insect resistance (all claimed).    DETAILED DESCRIPTION - A live microbial composition for fermenting and producing organic fertilizer, comprises C. fabia, B. sterothermophilus, Lactobacillus, Methanobacterium, Thiobacillus, B. licheniformis, B. polymyxa, Streptomyces, Thermoactinomyces, Thermonospora, Azotobacter, Nitrosomonas, Nitrobacter, Rhizobium, A. oryzae, Saccharomyces, Penicillium, Humicola, Rhizopus and Mycorrhiza; preferably, Lactobacillus is Lactobacillus casei; Methanobacterium is selected from Methanobacterium formicium and Methanobacterium ruminantium; Thiobacillus is selected from Thiobacillus thiooxidans and Thiobacillus ferrooxidans; Streptomyces is Streptomyces thermophilus; Thermoactinomyces is Thermoactinomyces vulgaris; Thermonospora is Thermonospora curvata; Azotobacter is Azotobacter vinelandii; Nitrosomonas is Nitrosomonas europeae; Nitrobacter is Nitrobacter winogradskyi; Rhizobium is selected from Rhizobium japonicum and Rhizobium leguminosarum; Saccharomyces is Saccharomyces cerevisiae; Penicillium is Penicillium notatum; Humicola is Humicola insolens; Rhizopus is Rhizopus oligosporus; and/or Mycorrhiza is Rhizoctonia, preferably Rhizoctonia cerealis; most preferably, the microbial composition is composed of C. fabia, B. sterothermophilus, L. casei, M. formicium, M. ruminantium, T. thiooxidans, T. ferrooxidans, B. licheniformis, B. polymyxa, S. thermophilus, T. vulgaris, T. curvata, A. vinelandii, N. europeae, N. winogradskyi, R. japonicum, R. leguminosarum, A. oryzae, S. cerevisiae, P. notatum, H. insolens, R. oligosporus and R. cerealis. INDEPENDENT CLAIMS are:    (1) a microbial agent obtained by mixing the microbial composition above and matrix, where the matrix comprises one or more of plant fiber, animal waste, animal-based protein, plant-based protein and single-cell protein, more preferably the matrix comprises one or more of sawdust, rice hull, rice hull, straw, cow dung, pig manure, fowl manure, fish meal, soya flour and single-cell protein; most preferably, the matrix is mixture of rice hull, cow dung, fish meal, soya flour and single-cell protein;    (2) an organic fertilizer with continuous cropping resistant effect and/or alternating cropping effect, which is obtained by fermenting animal waste and plant fiber by the microbial agent of (1); and    (3) a method for preparing the organic fertilizer by (a) mixing the microbial agent, animal waste and plant fiber; (b) fermenting the mixture obtained in step (a), raising the temperature to 60-70 degrees C, preferably to 65 degrees C; (c) insulating the fermentation product obtained in step (b) at 60-70 degrees C and fermenting for 5-18 days, preferably 10 days; (d) insulating the fermentation product obtained in step (c) at 45-55 degrees C, preferably 50 plus minus 2 degrees C and fermenting for 7-12 days, preferably 12 days; and (e) optionally, high temperature sterilizing the fermentation product obtained in step (d).