The invention discloses a settlement cycle generating method and system based on an interval tree search algorithm. The method includes: S1, receiving settlement configuration data, wherein the settlement configuration data includes settlement intervals and settlement dates, each settlement interval includes an initiation date and an expiration date, the initiation date is earlier than the expiration date, and the settlement date is not earlier than the expiration date. S2, using the settlement configuration data to generate a root node of a settlement cycle interval tree, wherein the root node includes a node color, a search key value, an interval left value, an interval right value and an interval return value, the node color of the root node is black, the search key value is in the settlement interval, the interval left value is the initiation date, the interval right value is the expiration date, and the interval return value is the settlement date; and S3, utilizing the root node to generate the settlement cycle interval tree, wherein the settlement cycle interval tree is an interval tree, and the settlement cycle interval tree includes a plurality of nodes. According to the method and system, only simply configuring the settlement intervals and the settlement dates is needed for simply, intuitively and quickly obtaining the concerned settlement cycles and settlement dates.