A data cleaning method, a terminal and a computer readable storage medium. The method comprises: when a cleaning task concerning traditional dividend data has been received, inserting the cleaning task into a preset task execution table, and configuring an execution time corresponding to the cleaning task (S101); when the execution time expires, acquiring a scheduling packet by means of an Oracle database, and perform data cleaning of insurance policy information in a high concurrency manner according to the scheduling packet (S102); and submitting the cleaned insurance policy information to the Oracle database in batches and storing same therein (S103). The present invention omits a step of file format conversion, solves the problems in the prior art of complex processes, redundant steps and low efficiency during performing data cleaning of traditional dividend data, effectively improving the efficiency of data cleaning, and reducing the overall time consumed by data cleaning.