A calculating method of index selection, weight optimization and channel planning of electric power payment channel analysis is disclosed. The method comprises the following steps of step1, through a SG186 system or a questionnaire, acquiring data of basic attribute information and payment habit attribute information of a user who pays; step2, using a characteristic weight optimization method to optimize each weight in an individual user figure, acquiring an optimal individual user figure, and through a clustering algorithm, establishing a group user payment behavior figure; step3, using a K-nearest neighbor classification algorithm to establish an index evaluation system; step4, using a genetic annealing algorithm to calculate a weight value of each attribute index; and step5, determining whether the value is an optimal value and determining an optimal payment channel. In the invention, based on user payment large data, a lean management level of marketing electricity charge recovery work is increased and finally a payment service channel through which the user can pay conveniently and which is satisfied by the user is realized.