To solve the failure problem of power transmission caused by warping, crackle on dual-steel-disc of wet multi-disk clutch, a shipborne wet multi-disk clutch is taken as a research object, models of generation and distribution of friction heat flux are built and numerical methods to solve temperature field and coupled stress field are put forward. Research methods of thermo-mechanical coupling problem of wet multi-disk clutch are proposed. The thermo-mechanical coupling phenomenon of dual-steel-disc is investigated, and the failure mechanism of dual-steel-disc of wet multi-disk clutch is revealed. In the engagement process, the results of temperature field show that the temperature of the dual-steel-disc gradually increases from the inner edge to the outer edge, and the temperature of friction surface reaches the highest at 2.6 s in the 3-second-engagement. The rules of thermal stress distribution are attained that the circumferential tensile thermal stress appears in the region close to the inner edge, while the radial tensile thermal stress appears in the region close to the outer edge. The theoretical basis to solve the thermal failure problem of dual-steel-disc of wet multi-disk clutch is provided.