Based on the interactive integration between smart cities and intelligent transportation, this paper discusses how traditional automobile companies achieve intelligent-connected transformation and how to promote the development of intelligent connected vehicles. First, we construct a tripartite evolutionary game model of traditional automobile companies, internet companies, and financial institutions under the dual-credit policy. Second, we define an ideal event and analyze the impacts of cost factors, market factors, and policy factors on system evolution. Finally, funding time delay is combined with the evolutionary game analysis. Results indicate that: (1) Compared with traditional automobile companies and internet companies, financial institutions are more sensitive to the profit-sharing coefficient and cost-sharing coefficient; (2) The probability of an ideal event is more sensitive to credit trading price than new energy vehicle (NEV) credit accounting coefficients and the NEV credit ratio requirement; (3) The government should fully consider the linkage between policy factors and market factors, and it is unreasonable for the government to consider the range of any factor alone; (4) Both the financing amount and regulatory cost have specific threshold ranges within which tripartite collaboration can be facilitated.