The invention relates to a navigation positioning-based cruise system suitable for banks. The navigation positioning-based cruise system comprises an input module, a storage module, a positioning module, a correction module, a central control chip and a display module. According to the invention, when coordinates are established, the map information and the location information of the home visiting point can be directly obtained from the storage module in the system. Therefore, resource occupation in the early stage of route planning is reduced, when the system is used, the central control chip can perform integration, statistics and calculation according to recorded information, an optimal home visiting route is calculated, a user can quickly reach each home visiting point according to the route, and the home visiting efficiency is improved. According to the method for establishing the coordinate system, the position information of each key point in the map is recorded in a coordinatepoint mode, and the accuracy of key point position recording is improved, so that the precision of a route planned by the central control chip is improved, and the efficiency of a user when the userperforms home visiting is further improved.