The present invention discloses an intelligent wearable terminal based child behavior monitoring and developing system and method. The system comprises an intelligent wearable device, a Bluetooth tag, an RFID radio-frequency tag, an intelligent mobile device, a security authentication cloud platform and a data cloud platform. The method comprises: based on a position relationship, establishing a Bluetooth tag based on a Bluetooth Ad Hoc network, and a radio-frequency tag, and according to the Bluetooth tag and the radio-frequency tag, monitoring a behavior of a child wearing an intelligent wearable terminal; uploading a monitoring result to a cloud-end server; establishing a classifiable dynamic behavior habit database according to child basic data information and child daily behavior data; and comparing child behavior data in the dynamic behavior habit database with behavior data in a preset standard behavior database, and outputting early-warning and prompting information. According to the method and system disclosed by the present invention, by integrating technologies such as Bluetooth, RFID and Wi-fi, child behavior monitoring and development are implemented.