The invention provides a smart charging pile safety protection method, which comprises the following steps: S1, setting a charging pile safety charging current threshold, a charging pile charging current protection threshold, a charging pile temperature safety threshold and a charging pile temperature alarm threshold at a background server in advance; S2, sending a charging pile charging current value and a temperature value within the charging pile to the background server every predetermined period, and skipping to steps S3 and S4 for determination at the same time; S3, determining, by the background server, whether the charging pile charging current value exceeds the charging pile safety charging current threshold; S4, determining, by the background server, whether the temperature value within the charging pile exceeds charging pile temperature alarm threshold; and S5, recording, by the background server, an identifier code of the charging pile with failure, the type of the failure, the time of the failure, as well as corresponding relation therebetween. The invention also provides a smart charging pile safety protection system.