In this paper, crust medium is treated as Maxwell medium, and crust model includes hard inclusion, soft inclusion,deep-level fault. The stress concentration and its evolution with time are obtained by using three-dimensional finite element method and differential method. The conclusions are drawn as follows:①The average stress concentration and maximum shear stress concentration caused by non-heterogeneous of crust are very high in hard inclusion and around the deep fault. With the time passing by, the concentration of average stress in the model gradually trends to uniform. At the same time, the concentration of maximum shear stress in hard inclusion increases gradually. This character is favorable to transfer shear strain energy from soft inclusion to hard inclusion. ② When the upper mantle beneath the inclusion upheave at a certain velocity of 1 cm/a the changes of average stress concentration with time become complex, and the boundary of the hard and soft inclusion become unconspicuous, but the maximum shear stress concentration increases much more in the hard inclusion with time at a higher velocity. This feature make for transformation of energy from the soft inclusion to the hard inclusion. @ The changes of average stress concentration and maximum shear stress concentration with time around the deep-level fault result in further accumulation of maximum shear stress concentration and finally cause the deep-level fault instable and accelerated creep along fault direction. ④ The changes of vertical displacement on the surface of the model, which is caused by the accelerated creep of the deep-level fault, is similar to that of the observation data before Xingtai strong earthquake. In this paper, crust medium is treated as Maxwell medium, and crust model includes hard inclusion, soft inclusion, deep-level fault. The stress concentration and its evolution with time are obtained by using three-dimensional finite element method and differential method. The average stress concentration and maximum shear stress concentration caused by non-heterogeneous of crust are very high in hard inclusion and around the deep fault. With the time passing by, the concentration of average stress in the pattern gradually trend trends At uniform same time, the concentration of maximum shear stress in hard inclusion tends gradually. This character is favorable to transfer shear strain energy from soft inclusion to hard inclusion. ② When the upper mantle beneath the inclusion upheave at a certain velocity of 1 cm / a the changes of average stress concentration with time become complex, and the boundary of the hard and soft inclusion become unco nspicuous, but the maximum shear stress concentration increases much more in the hard inclusion with time at a higher velocity. This feature makes for transformation of energy from the soft inclusion to the hard inclusion. @ The changes of average stress concentration and maximum shear stress concentration with time around the deep-level fault result in further accumulation of maximum shear stress concentration and finally cause the deep-level fault instable and accelerated creep along fault direction. ④ The changes of vertical displacement on the surface of the model, which is caused by the accelerated creep of the deep-level fault, is similar to that of the observation data before Xingtai strong earthquake.