The invention provides a loose coupling modeling method for fluid-solid coupling heat transfer. The loose coupling modeling method is characterized in that the transient change process of a flow filed is ignored, and the global transient heat transfer process is assumed to be performed in a quasi-stable-state flow field. The method comprises the specific calculation procedures that 1, the flow field is updated, wherein only fluid is taken as a solving object, the fluid-solid coupling wall surface is set as a fixed temperature boundary of the fluid, and the flow field is solved through a stable-state CFD algorithm; 2, transient heat transfer is calculated, wherein the fluid and solid are both taken as the solving object, the fluid-solid coupling wall surface is set as a heat transfer coupling boundary, a momentum equation and a turbulent flow equation of the fluid are closed, and transient heat transfer is calculated until the flow field is updated for the next time and/or calculation stops; 3, the first step and the second step are repeated, wherein flow field updating and transient heat transfer calculating are alternately performed until the time arrives at the transient heat transfer termination moment. For the forced-convection heat transfer process of air in a pipe, by comparing the modeling method with a tight coupling calculation result of Fluent commercial software, the absolute error is 1 K or below, the calculation efficiency is improved by one order of magnitude, and the engineering calculation requirement is met.