Load spectra research for bogie frame requires establishing the load-stress relationship on working condition, which has been omitted by the researchers. With the load-stress of the bogie frame of an intercity Electric Multiple Unit (Hereinafter referred to as EMU) as the research object, an optimization model of the load-stress transfer relationship is established. The load-stress coefficient for EMU bogie frame was calibrated in the laboratory bench and online test was arranged on Dazhou-Chengdu line. Comparison of nonlinear and linear neural networks proves that the linear transitive relation between the load and stress of the bogie frame in the operating process is highly suitable. An optimization model of the load-stress transfer coefficient is obtained. The data calculated with the modified coefficient are closer to the dynamic stress results in the actual operating process than the data calculated with the calibration coefficient. The coefficient of the modified transitive relation is unaffected by operating area, empty load, heavy load, or other conditions in the operating process of the intercity EMU. The real loads in actual situations are obtained. The model of online load-stress relationship that is highly suitable for line stress calculation is finally established. The research is helpful for further damage calculation and inferring the time history signal of the load in load spectra research.