The invention discloses an image simulation generation method for a dot matrix character printing effect. The method comprises the steps of, first, generating needle characters, namely, reading printing character generation parameters specified by a user from a program interface, reading a font file of a specified font size from a font library, analyzing font library dot matrix information of thefont file to generate an image of specified text content, obtaining a dot matrix distribution condition from the image by utilizing a sampling technology, and drawing each printing point of dot matrixcharacters by utilizing a random stroke generation algorithm; then simulating printing defects, which comprises random parameter and random selection control lens fuzzy simulation, noise simulation,excessive ink effect simulation, random damage simulation, texture interference simulation and the like; and finally, zooming the generated simulation image to a set size, and outputting the simulation image as a sample to a file. According to the invention, more data samples are automatically generated according to the statistical characteristics of new data in an idle period by using the server,and intelligent iteration and updating of the bill character recognition algorithm are formed through autonomous incremental training learning.