The invention mainly discloses an experience system of an investment financing product and an experience method of the experience system. The experience system includes an experience terminal, an experience module, a database, a monitoring module and a wireless communication module. The experience module comprises a login module, a financing module and a transaction module, the monitoring module comprises an external monitoring unit and an internal monitoring unit, the external monitoring unit comprises a face recognizer and a fingerprint recognizer, the internal monitoring unit comprises a data acquisition unit, a data analysis unit and an alarm unit; the user experiences by collecting user information, login system, purchase of virtual currency, wealth management options, revenue calculation, transaction processing and transaction monitoring. According to the invention, various financing transactions can be simulated, the understanding of the financing product by the user is improved, the experience of user investment and financing is increased, the earnings of the investment products can be known in time, and the high authenticity, reliability and timeliness are achieved.