As I see it, point of view refers to the format the author has chosen for the narration (who is speaking), whereas perspective refers to the worldview of a character (how she is feeling and thinking). Most novels are written from either a first-person POV or a third-person POV.
Explanation:
Point of view (POV) is what the character or narrator telling the story can see (his or her perspective). ... Depending on who the narrator is, he/she will be standing at one point and seeing the action. This viewpoint will give the narrator a partial or whole view of events as they happen.
The point of view in a story refers to the position of the narrator in relation to the story. For example, if the narrator is a participant in the story, it is more likely that the point of view would be first person, as the narrator is witnessing and interacting with the events and other characters firsthand.