The invention provides a vehicle networking data processing method, a server and a terminal. The method comprises the following steps of acquiring vehicle-running historical data by the server; training the vehicle-running historical data and acquiring a program script used for analyzing a user driving behavior; and sending the program script to the terminal. In the technical scheme of the invention, through the server, the vehicle-running historical data is firstly acquired, then, the vehicle-running historical data is trained and the program script used for analyzing the user driving behavior is acquired, and finally, the program script is sent to the terminal. According to the program script and the vehicle-running data, the user driving behavior is dynamically analyzed. A problem thatalgorithm precision is reduced because algorithm updating is not timely is solved. Accuracy of user driving behavior analysis is guaranteed, and further, extra cost brought by terminal firmware updating is reduced.