The invention discloses a client complaint early-warning monitoring analyzing method based on text mining technology. The method comprises the steps of a text data standardizing step for converting recorded text data into data with a standard data format in a unified rule; and a standard data analysis early-warning step, analyzing the standard data format through establishing a complaint analysis grade clustering model, determining a risk grade according to the clustering result, and transmitting early-warning according to the risk grade. The complaint early-warning monitoring analyzing method satisfies a precondition of ensuring client satisfaction degree and furthermore has advantages of greatly reducing workload in manual sampling observation, effectively improving passive after-event tracking responsibility-determining management mode and facilitating before-event active server in a targeted manner, thereby realizing a professional management requirement for in-time response for client demands.