With accelerating global economic integration processes, the financial risk early warning requirements for companies are becoming higher and higher. This study discusses the financial risk evaluation Z-Score Model for intelligent IoT-based enterprises. The financial risk early warning system of an IoT company is made up of four parts: alarm source analysis, Z-Score Model analysis, and main financial ratio analysis. Among them, the police source analysis is the premise and important guarantee for the operation of the system overall. After analyzing the internal and external risk factors from different sources in combination with the annual and industry reports of the IoT company, we found that the main risk sources IoT companies face focus on external legal risk, industry competition risk (mainly affected by the external environment), and external tenant credit risk (dominated by their own characteristics). Based on analysis of police sources, a Z-Score Model analysis for IoT companies can be carried out. Z-Score Model analysis is the core of the new financial risk early warning system of IoT companies; therefore, an IoT company's long-term solvency is weak. Any IoT company should be committed to diversifying investments and to carefully selecting investment projects. This study may prove helpful for IoT companies in reducing the probability of crises and developing in a healthy and orderly way.

随着全球经济一体化进程的加快，对企业的财务风险预警要求越来越高。本研究讨论了基于物联网的智能企业财务风险评估 Z-Score 模型。物联网公司财务风险预警系统由报警源分析、Z-Score模型分析、主要财务比率分析四部分组成。其中，警源分析是系统整体运行的前提和重要保障。结合物联网企业的年度报告和行业报告分析了不同来源的内外部风险因素，我们发现物联网企业面临的主要风险来源集中在外部法律风险、行业竞争风险（主要受外部环境影响） ), 和外部租户信用风险（由其自身特征主导）。基于对警方来源的分析，可以对物联网公司进行 Z-Score 模型分析。Z-Score模型分析是物联网企业新型财务风险预警系统的核心；因此，物联网公司的长期偿债能力较弱。任何一家物联网公司都应该致力于多元化投资，谨慎选择投资项目。这项研究可能有助于物联网公司降低发生危机的可能性，并以健康有序的方式发展。物联网公司的长期偿付能力薄弱。任何一家物联网公司都应该致力于多元化投资，谨慎选择投资项目。这项研究可能有助于物联网公司降低发生危机的可能性，并以健康有序的方式发展。物联网公司的长期偿付能力薄弱。任何一家物联网公司都应该致力于多元化投资，谨慎选择投资项目。这项研究可能有助于物联网公司降低发生危机的可能性，并以健康有序的方式发展。