The invention discloses a power distribution transformer zone three-phase load imbalance adjustment method based on dynamic planning. The method is characterized by, on the basis of a user load dailycurve of a time period, carrying out calculation in a three-phase load balance degree global optimization mode according to a dynamic planning algorithm, and generating a three-phase user phase adjustment list. The method has the beneficial effects that the method can solve the problem of user load distribution in a power distribution transformer zone directly from the user source side, carries out expansion on the basis of the Cartesian product, realizes minimum data calculation amount through load dynamic planning, saves the calculation time, and improves the operation efficiency; the adopted method with the optimal adjustment amount can effectively ensure that the three-phase load unbalance degree of the power distribution transformer zone is within a certain range, and the number of adjustment users is minimum; and the adopted method with the optimal overall unbalance degree can effectively ensure that the unbalance degree of the three-phase load at the low-voltage side of the power distribution transformer zone is minimum.