The invention relates to a preparation method of an antibacterial and mildew-proof stainless steel coating containing silver, zinc and cerium, and belongs to the field of antibacterial and mildew-proof materials. The steps of the invention are (1) adding sodium dihydrogen phosphate aqueous solution to the zinc oxychloride aqueous solution to react to obtain a nano-scale zinc phosphate carrier; (2) putting the zinc carrier into an ultrafiltration membrane system for filtration; (3) adding the sol precipitation to the Dissolve in pure water, add antibacterial metal ion aqueous solution, adsorption, displacement reaction; (4) Add cerium nitrate aqueous solution, silver nitrate aqueous solution, zinc nitrate aqueous solution to the sol suspension; (5) Add oxalic acid and stir; (6) Suction filtration, Cleaning the reaction product, drying it, pulverizing it, and calcining it; (7) preparing hydrocolloid glue; (8) coating it evenly on stainless steel tableware and drying it. The product prepared by the invention has the characteristics of good corrosion resistance, no discoloration on the surface of the material, low cost, less pollution, simple process and easy control, and can be widely used in the fields of chemical industry, food, printing and dyeing, cosmetics, biopharmaceutical and electromechanical.