The invention provides a vehicle-mounted terminal, a vehicle-mounted intelligent alarm system and an alarm generating method and relates to the field of vehicle-mounted alarm systems. The vehicle-mounted intelligent alarm system comprises the vehicle-mounted terminal arranged in a vehicle, wherein the vehicle-mounted terminal comprises RFID readers, a vehicle door opening detecting device, a processor and an alarm device. The RFID readers are used for reading external RFID labels, obtaining information of possessors of the RFID labels, and sending the information to the processor. The vehicle door closing detecting device is used for sending a vehicle door closing signal to the processor. The processor detects an alarm triggering condition after receiving the vehicle door closing signal. After the processor detects the alarm triggering condition, alarm information is generated according to the information of the possessors of the RFID labels, and the alarm information is sent to the alarm device. The alarm device is used for providing the alarm information for the outside. By the adoption of the vehicle-mounted terminal, under the condition that a child is left in the vehicle, once a vehicle door is closed, an alarm is given timely, and therefore the phenomenon that the child is left in a school bus is avoided; the vehicle-mounted intelligent alarm system meets the characteristics of the children and is convenient to use, low in cost and easy to put on the market.