With the rapid adoption of electric vehicles (EVs), their large-scale charging behaviors significantly impact grid operations. This study investigates the spatial and temporal characteristics of EV charging loads and their effects on the power grid under multi-user scenarios and proposes an optimized interaction mechanism. First, user charging load characteristics are analyzed for residential, commercial, and public areas based on behavior simulations. Subsequently, a distributed load optimization model is constructed, employing dynamic pricing and time-shifting strategies to optimize grid load distribution. Simulation results demonstrate that the interaction mechanism effectively reduces peak loads, increases valley loads, and significantly improves the grid’s safety and economic performance. This study provides theoretical support for efficient interactions between EVs and the power grid.