Embodiments of the present disclosure provide a network access processing method and apparatus. The method includes: receiving traffic information and network load information that are reported by multiple access networks; determining a target access network in the multiple access networks according to the traffic information and the network load information; and when a current access network of a user terminal is different from the target access network: if the user terminal supports an inter-system mobility policy (ISMP), handing over the user terminal to the target access network; or if the user terminal supports an inter-system routing policy (ISRP) and it is determined that at least one application on the user terminal can be handed over to the target access network, handing over the at least one application to the target access network. In this way, properness of selecting an access network for a terminal or a terminal application can be improved.