The invention relates to an automatic response method based on power transaction, a terminal and a storage medium. The automatic response method comprises the following steps: S101, merging similar questions or inserting knowledge points in a knowledge base through created questions, question keywords and user instructions; s102, setting weights for user type parameters corresponding to the knowledge points, and performing word segmentation and obtaining the user type parameters according to the received user question; s103, screening matched knowledge points from the knowledge base according to the segmented words, sorting the knowledge points through user type parameters corresponding to the user question sentences and weights corresponding to the user type parameters of the knowledge points, and obtaining an optimal result; and S104, replying the user question according to the recommendation response corresponding to the optimal result. According to the method, the customer service number is reduced, the labor cost is reduced, a large number of users can be coped with, the reply efficiency is high, the reply speed is high, the service efficiency and the user experience are improved, and the customer obtaining cost is reduced.