The invention relates to a driver-in-the-loop vehicle performance optimizing simulation testing system and belongs to the technical field of electronic control of vehicles. The simulation testing system comprises a driver operation platform, a target machine controller, a target control generating unit and a target vehicle model unit, wherein the target machine controller is in communication connection with the target control generating unit and the target vehicle model unit, the target control generating unit comprises an automatic code generating and compiling module and a matrix laboratory (Matlab) / Simulink module, the Matlab / Simulink module is used for establishing a vehicle control strategy, and the automatic code generating and compiling module is used for converting the control strategy into a control code of the target machine controller. According to the driver-in-the-loop vehicle performance optimizing simulation testing system, the automatic code of the target machine controller is used for generating a kit, a control algorithm established by the Matlab / Simulink module is loaded in a target machine for running in a one-button mode through the automatically generated code, online verification and adjustment of the control algorithm are achievable through an online parameter adjusting interface, and parameters of the vehicle can be adjusted. The driver-in-the-loop vehicle performance optimizing simulation testing system has the advantages of being small in investment, convenient to construct, low in cost, efficient, easy to maintain, and good in timeliness.