In vitro cell loading experiments are used to investigate stimulation of strain to cellular proliferation. As the flowing conditions of culture fluid in loading systems has been little known, strictly people can not detect the influence of strain to cellular proliferation exactly because shear flow can enhance cell proliferation either. Based on the working principle and cyclic loading parameters, we simplify Navier-Stokes equation to describe the flow of culture fluid on substrates of uniaxial and equi-biaxial fiat tensile loading systems and four point bending system. With approximate solutions, the distributions of velocity field and wall shear flow to cells are gained. Results show: shear flows are zero in the middle (or fixed point or line) of substrate for all systems, and they get larger proportionally to distance from middle and substrate elongate; the shear flow on the substrate of four point bending system is much greater than those of others. This shear flow in four point bending system, confirmed by Owan, I., et al with OPN mRNA increase in their experiment, could cause more influence to osteoblast-like cells than that caused by strain. We estimate the average magnitude of shear stress in Owan s device, the results are consistent with other experimental data about shear flow. In conclusion our study makes it possible to differentiate the influence of strain on cellular proliferation to that of shear flow in loading experiments with the devices mentioned above quantitatively.