Safety has always been a critical concern in road transportation, serving as a fundamental pillar for ensuring traffic efficiency and supporting economic development. Driving risk monitoring and intervention are key technologies for enhancing vehicle safety, particularly with advancements in perception and information technology, which provide a robust data foundation and new avenues for implementation. This paper systematically reviews the research progress of driving risk monitoring and intervention techniques. Firstly, it examines the current state of driving risk monitoring from both of in-vehicle and external perspectives. Secondly, it reviews intervention strategies from both offline and online approaches. Studies have shown that interventions integrating visual, auditory, and haptic feedback can significantly improve driver response times, while haptic warning systems can help reduce the rate of driver errors. Then it is explored that the integration of risk monitoring and intervention technologies into Advanced Driver Assistance Systems (ADAS), autonomous driving systems, connected vehicle systems, and automated driving platforms. Studies have shown that intelligent systems based on vehicle-road-cloud collaboration can improve the real-time performance of risk warnings. The application of ADAS has been proven effective in reducing traffic accident rates and lowering Usage-Based Insurance (UBI) loss ratios. Finally, future research directions are discussed, including model optimization for lightweight deployment, big data applications, cloud-based control platforms, and the role of large-scale autonomous driving models in advancing risk monitoring and intervention technologies.