The invention discloses a 3D simulation matching processing method and system based on a mobile terminal. The method includes the steps that when a user conducts online clothes shopping, an operation instruction of the user is received to select clothes with the corresponding style, and according to the selected clothes with the corresponding style, a 3D physical model base is searched for a 3D physical model corresponding to the selected clothes with the style; simulation matching is conducted on the found 3D physical model of the clothes and a preset user physical 3D model, and the size range and contour data of the matched external contour are referred, compared and analyzed; after matching is finished, a matching effect picture is displayed, size difference data are fed back, and a corresponding matching result is output in a matching mode. By the adoption of the 3D simulation matching processing method and system, when the user conducts online shopping through the mobile terminal, matching of individual physical 3D information with an object can be synchronized, the individual 3D information is provided for simulation matching, and corresponding prompts are given; the user can buy fitted clothes without going out, and convenience is brought to the user.