The invention discloses an intelligent transformer load monitoring method. The method includes the steps that (a) the transformer winding temperature, the periphery air temperature, the air speed and a temperature signal of a cooler are measured through a sensor, the temperature signal is transmitted to optoelectronic isolation after A/D conversion, and meanwhile a switching value signal is also transmitted to the optoelectronic isolation; (b) the optoelectronic isolation receives the signals and transmits the signals to a processor through an SPI bus; (c) the processor transmits an execution signal to a relay through the optoelectronic isolation after calculation, and the relay controls an external electric appliance to turn on or turn off an indicator light and the cooler; (d) the processor is connected with a communication port through the other optoelectronic isolation, the communication port is connected with an upper computer, and the processor receives commands of the upper computer and transmits a processing result to the upper computer. According to the method, pre-warning can be carried out if an exceeding hot condition occurs to the transformer, corresponding predicted overload operation time is provided, and the purpose that the transformer operates in an energy-saving and efficient mode is achieved.