Abstract: As the discrete cooling pipe model applied to calculation of large concrete structure’s temperature field and stress field, subdivision for cooling pipe will cause the rank of finite element equation increase obviously. It limits the wide application of the methods in practical engineering. Based on the substructure finite element theory, the formula of temperature filed for concrete structure with cooling pipe was derived. In order to get the exact stress field distribution surrounding cooling pipe, the substructure formula for stress filed considering creep and autogenous volume deformation was derived as well. Detailed steps of the algorithm were presented. Corresponding finite element program was coded. The accuracy of the method was proved by comparing numerical results with the site experiment results of a project. And the efficiency of the algorithm was verified with a large model.