A method, an apparatus, and a system for processing service data are provided in embodiments of the present invention. The method mainly includes: receiving, by a network storage server, a service data request sent by a terminal of a user, and sending, by the network storage server, a network storage address or a local storage address corresponding to the service data to the terminal based on a network condition of the terminal and a storage condition of the service data on the network storage server and a local storage server. The embodiments of the present invention are capable of fully exerting the complementarity of the local storage server and the network storage server in terms of capacity, and flexibly selecting whether to provide a local storage service or a network storage service to the terminal of the user.