The present invention discloses a mobile agent system model. The mobile agent system model comprises a dual-communication connection cloud calculation center, a mobile agent layer group and a plurality of mobile terminals, each mobile terminal initiates a request to the mobile agent layer group and receives the response result from the mobile agent layer group; the mobile agent layer group initiates an agent request to the cloud calculation center and receives the return data from the cloud calculation center. The mobile agent system model can realize that the mobile terminals conveniently and rapidly perform cloud calculation to make up the deficiency of the storage capacity and the calculation capacity of the mobile terminals themselves, and can save the mobile network bandwidth and pick up the access speed. The present invention further provides a mobile cloud service access method based on the mobile agent system model.