The invention relates to a multi-certificate issuing and verifying method based on an intelligent security chip, can use a single smart security chip carrier to apply to multiple CAs for certificatesand store the certificates, wherein only one CA (hereinafter referred to as the first CA) needs to perform strict identity checking for certificate issuing and a unique signature PIN code is set, andwhen applying to other CAs for certificates, an applicant only needs to use the certificate issued by the first CA to prove user identity to complete online certificate application. By adoption of themulti-certificate issuing and verifying method based on an intelligent security chip, the problem of previous inconvenience of applying to multiple CAs for certificates and electronic signatures by auser is solved, strict identity checking needs to be performed only once, then the user can apply to multiple CAs for digital certificates, the certificate applied through strict identity checking isused for identity authentication, other certificates can be used for electronic signatures of business systems, and during signature verification, the first certificate is utilized to complete identity authentication first and then a designated certificate is utilized to perform electronic signature verification of business data.