The invention discloses an automatic speed changer gear shifting point predicting control method based on a vehicle-mounted navigation system. The method comprises the steps that firstly, current vehicle structure parameters, state parameters and power transmission system parameters are determined; secondly, front road feature parameters are extracted; thirdly, the future vehicle state is predicted on the basis of the feature parameters; fourthly, work condition division is conducted according to the future vehicle state, the speed changer gear meeting the needed torque and the rotation speedneeded by an engine is selected, the fuel consumption rate corresponding to the gear is calculated, the gear where the fuel consumption rate is the lowest serves as the predicted target gear, the changing difference value between the current gear and the predicted target gear is calculated, and work condition division is conducted; and fifthly, the optimal gear shifting method is formulated for different work conditions. On the premise that dynamic performance, driving controllabitity and safety are guaranteed, rolling optimization of gear shifting points can be achieved, the automatic speed changer gear shifting point predicting control method better adapts to the whole vehicle dynamic character, and optimal matching of the dynamic performance and economic efficiency is achieved.