<p>The present invention provides a passenger monitoring apparatus including: a bio-data detection unit which detects bio-data of passengers having boarded a vehicle; an operation state detection unit which detects an operation state of the vehicle: and a portable terminal which outputs an analysis result according to a body state of the passenger, analyzes the bio-data of the passenger and the operation state of the vehicle, generates the analysis result according to the body state of the passenger, and transmits the result to a main server. The portable terminal transfers the bio-data of the passenger detected by the bio-data detection unit and the operation state of the vehicle detected by the operation state detection unit to the main server.</p>