To improve the accuracy of thermal characteristics analysis of CNC machine tools, a modeling method for the thermal characteristics of CNC machine tools based on submodel method is proposed in this paper. In this method, the thermal-structural coupling calculation of the feed system and spindle system is initially completed in ABAQUS to obtain temperature and deformation results of the submodels. Subsequently, User Define Function (UDF) in Fluent is used to extract the temperature information from the surface of the submodels. The obtained surface temperature data is then imported into the overall machine model for fluid-structure coupling heat transfer calculation. The model developed in this study takes into account factors such as the dynamic heat generation of the heat source, the cooling fan system, and the secondary heat source effect of the cutting fluid. To validate the approach, a thermal characteristics experiment was conducted, and the research results demonstrate that the thermal analysis model established in this paper exhibits both high accuracy and efficiency. During the 180 min of machine operation, the thermal displacement between the tool tip and the workpiece increased. The maximum thermal deformation of the machine tool tip was 40.83 [Formula: see text], primarily observed in the X and Y directions.