The invention provides an intelligent payment reminding and water and electricity locking system. The system comprises an intelligent payment reminding module and a water and electricity locking module. The implementation steps of the intelligent payment reminding module comprise the following steps: according to past payment records of each user; the method comprises the implementation steps of establishing a user payment behavior positive factor set A = {A1A2... An} and a user payment behavior negative factor set B = {B1B2... Bm}, assigning and calculating the weight Z = {z1, z2,..., zn} ofeach factor in the set, and setting the sending time and sending times of the payment reminding information corresponding to the user payment behavior prediction values P in different numerical rangesaccording to the numerical ranges; and comparing the user payment behavior prediction value P of each user, and sending payment reminding information to the user according to a comparison result. Thesystem provided by the invention reduces human factors in the traditional property payment reminding action, realizes intelligent payment reminding, improves the rental fee payment rate, practicallyimproves the collection experience of large-scale properties for each tenant, promotes merchants to pay fees in time, is beneficial to improving the water and electricity utilization safety, and realizes intelligent management.