The invention discloses a method for realizing a power utilization information acquisition terminal embedded database management model, which is characterized by comprising the following steps: 1) analyzing an extensive makeup language( XML) configuration table and generating a memory database, a file database and a memory relationship HASH table for describing the relationship between data items and databases; 2) operating the memory database in a mode in which a database management process and an application program serve as a client and the memory database and the memory relationship HASH table serve as a server; and 3) operating the file database by using a C/S architecture in which the application program serves as the client, and the database management process serves as the server. In the invention, the complex work of the application process for operating the databases is avoided, and the reusability in different power utilization information acquisition terminals as well as the transferability and consistency of application software and functional software are guaranteed.