The invention relates to a method of improving data storage efficiency and security of an intelligent network load interaction terminal, and belongs to the technical field of network communication. The method includes the steps of a storage step, an extraction step, regular reading, data recovery and network asking for help. Logical files are stored in physical files in a manner of gathering partsinto a whole, and thus storage capacity is significantly increased; and a first-level index file and a second-level index file are also introduced, and thus finding efficiency of data is effectivelyguaranteed. In addition, a multi-guarantee mechanism of CRC32 checking, compressed backing-up and network asking for help is also adopted, the method has extremely high data recovery capability, and the security of data storage and reliability of terminal running are ensured.