A method and apparatus used for a dual-network dual-standby terminal implementing service distribution are disclosed in the present document. The dual-network dual-standby terminal includes an application module, a first communication module and a second communication module. When a user of the dual-network dual-standby terminal initiates a Circuit Switched (CS) service, the application module selects the first communication module, and the first communication module performs communication through a 2G network; when a user of the dual-network dual-standby terminal initiates a Packet Switched (PS) service, the application module selects the second communication module, and the second communication module performs communication through a 3G network or a 2G network. With the present document, when taking account of both the advantage of CS services of 2G network and the advantage of data services of 3G network, the probability of dual-mode handover is reduced through the dual-network dual-standby technology, which fundamentally reduces and avoids defects caused by the 2/3G dual-mode single-standby terminal due to a 2G/3G dual-mode handover policy, and the user experience of the terminal is improved, and the development of the 3G network is also promoted.