The present invention provides an intelligent vehicle-mounted system, wherein the hardware structure comprises a central processing controller, a wireless communication module, a power module, a GPS positioning module, a storing module, an audio/video broadcasting module and a human-machine interaction module, wherein the wireless communication module, the power module, the GPS positioning module, the storing module and the audio/video broadcasting module are connected with the central processing controller. The vehicle-mounted system software mainly comprises a main interface program, GPS positioning navigation software and multimedia broadcasting software. The vehicle-mounted system and other vehicle-mounted terminal form an Ad Hoc network through the wireless communication module. The communication protocol of vehicle-mounted system adopts an Ad Hoc routing protocol based on GPS and electronic map and an MAC protocol with adjustable power. The vehicle-mounted system supports the functions of enciphering and authenticating. The vehicle-mounted system can aim at different user grades for allocating authority and executing related authentication to the user. The independent and distributed intelligent vehicle-mounted terminal system of the invention can be applied to various vehicles for realizing the interconnection, intercommunication and information sharing of Ad Hoc mode between intelligent vehicle-mounted systems and for realizing the multi-hop communication between the vehicle and the stationary platform. The intelligent vehicle-mounted system of the invention has the advantages of intelligentization, low cost, convenient use, etc.