The invention provides a safe electricity utilization on-line monitoring system based on Internet of Things, and relates to the technical field of safe electricity utilization monitoring. The system comprises a monitoring terminal and a background server, wherein the monitoring terminal comprises a power supply unit, a processor, a first storage unit, a first communication unit, an alarm unit, a current monitoring unit, a voltage monitoring unit and a temperature monitoring unit, and the power supply unit, the first storage unit, the first communication unit, the alarm unit, the current monitoring unit, the voltage monitoring unit and the temperature monitoring unit are respectively connected with the processor. According to the invention, the intelligent power device designed for TT and TN systems below 0.4 kV has the functions of single-phase and three-phase alternating current measurement, four-quadrant electric energy metering, switching value input and switching value output, and further has RS485 communication and GPRS wireless communication functions, and parameters such as electric leakage, conducting wire temperature and the like of a power distribution loop are monitored and managed.