The invention relates to a cloud computing service architecture method based on dynamic user fusion. The method comprises following steps of step 1, constructing cloud computing architecture based on dynamic user fusion, wherein according to the architecture, the storage capabilities and computing capabilities of user nodes are fused with a real cloud data center to form a virtual cloud data center through virtual fusion, storage fusion and computing fusion, thus providing services for other users; step 2, adopting new payment strategies; and step 3, optimizing the services through adoption of a storage resource scheduling algorithm based on user behaviors. According to the method, the user nodes and the real cloud data center are dynamically fused under certain conditions; the storage capabilities and computing capabilities are fused with the real cloud data center to form the virtual cloud data center; the existing network environments and high configuration user nodes are fully used for serving other users; the problems that partial network environments are poor and the construction fund investment of the data center is high are mitigated; the scale of the virtual cloud data center is gradually extended; and the service capability and service quality are improved.