Provided are a service response method and a terminal therefor, applicable for the field of network technology. The method comprises: acquiring a service request sent by a user terminal; based on the service request, determining a service response parameter corresponding to the service request; sending a connection termination signal to the user terminal; receiving a resource release instruction returned by the user terminal according to the connection termination signal, and changing a work state of a corresponding port communicating with the user terminal to idle; calling a third-party interface indicated in the service response parameter, and generating, through the third-party interface in response to the service request, a processing result corresponding to the service request; sending a communication connection request to the user terminal, to establish a communication connection with the user terminal; and returning the processing result to the user terminal. The present application solves the problems of a low success rate of service response and a low utilization rate of network resources in existing service response methods.