The invention discloses a shell-and-tube heat exchanger suitable for three-fluid heat exchange. The shell-and-tube heat exchanger suitable for three-fluid heat exchange comprises a shell, a first sealing head, a second sealing head, a first fluid heat exchange assembly, a second fluid heat exchange assembly and a third fluid heat exchange assembly, wherein the shell is isolated through a vertically-arranged third tube plate to form a first inner cavity and a second inner cavity; the first sealing head is arranged at one end of the shell, and a first tube box is formed in the first sealing head; the second sealing head is arranged at the other end of the shell, and a second tube box is formed in the second sealing head; the first fluid heat exchange assembly is arranged in the first inner cavity, and comprises a third tube box, a first heat exchange tube communicating the third tube box with the first tube box, a fourth tube box, and a second heat exchange tube communicating the fourth tube box with the first tube box, and a first fluid flows to exchange heat in the first heat exchange tube and the second heat exchange tube; the second fluid heat exchange assembly comprises concentric tubes arranged in the shell and communicating with the second tube box and the second inner cavity respectively, and a second fluid flows to exchange heat in the concentric tubes; and in the third fluid heat exchange assembly, a third fluid flows to exchange heat in the first inner cavity of the shell. The shell-and-tube heat exchanger suitable for three-fluid heat exchange, which is disclosed by the invention, is reasonable in structural design; and the shell-pass fluid can exchange heat with the two tube-pass fluids simultaneously, thus a multi-fluid heat exchange need is met, and the heat exchange efficiency is high.