Provided are a wheel hub motor mechanism and a motor vehicle, wherein the wheel hub motor mechanism comprises a wheel hub motor and a brake; the wheel hub motor comprises a circular rotor and a stator; the rotor and stator encircle the brake and are radially separated from the brake. The wheel hub motor mechanism also comprises a heat-insulating film located in a radial gap between the brake and the wheel hub motor; the heat-insulating film encircles the surface of the brake radially opposite to the rotor, and comprises a heat proof conduction film; the surface of the heat proof conduction film radially opposite to the brake and/or the surface of the heat proof conduction film radially opposite to the wheel hub motor are / is provided with a heat proof radiation film. The heat-insulating film can effectively block high heat generated by brake from transmitting to the rotor in a heat conduction and heat radiation mode, prevent the rotor from being influenced by high temperature and high heat, ensure normal operation of the wheel hub motor, and prolong the service life. Accordingly, the brake can be integrated in the wheel hub motor so as to reduce design and installation cost.