A comprehensive parameterized model of microphysical processes in stratiform clouds is presented. The transformation rates of the specific water contents and specific concentration of the cloud droplets, rain drops, ice crystals, snow flakes, graupels are deduced based on theoretical and experimental results for 18 microphysical processes, which include condensation, deposition, evaporation, coalescence, riming, aggregation, nucleation and multiplication of ice crystals and autoconversions of cloud-rain, ice-graupel and snow-graupel