The invention provides a method for separating and culturing human umbilical cord mesenchymal stem cells, which comprises the following steps: taking umbilical cord of fetus born after the normal period of gestation by caesarean section, flushing by PBS under aseptic condition, removing the bloodstain; using an aseptic scissor in an animal cell medium to cut the washed umbilical cord to tissue blocks, removing blood vessel and crushing, then fully mixing with the animal cell medium and oscillating, centrifuging, mixing the centrifuged deposition and a MesenCult-XF complete medium and oscillating, and uniformly planting in a cell culture dish, placing in an incubator with the temperature of 37 DEG C and 5% of CO2 for culturing for 5 days, sucking the tissue blocks out and discharging, refilling the MesenCult-XF complete medium, and replacing the medium every three days for continuously culturing to obtain the umbilical cord mesenchymal stem cells. According to the invention, the animal serum is used, the operation is simple, the repeatability is good, the security is high, and the obtained cell enables stabilization through multitime passage.