The invention discloses a message generation method, system, terminal and storage medium, which includes: acquiring service variable information and user tags of messages to be sent; matching message sending templates according to the user tags; matching message according to the user tags Sending strategy, the message sending strategy includes message sending mode and message type; generating the message to be sent according to the message sending template; sending the message to be sent according to the message sending strategy, which can be based on business variable information and user tags Template matching of information, no need to set different templates for message sending channels, no need to set templates according to business types, different templates can be set for the same business type, realizing the customization of personalized messages, so that users receive different message content in different channels .