A three dimensional(3D) finite element model is established for a prestressed concrete girder bridge, list the limit state equation and variable probability distribution model, obtain the failure probability and reliability index of the limit state equation based on the Monte-Carlo method, investigate the reliability index’s sensitivity to random variables for limit state equations of bridge bearing capacity. The specific method of the research on the structure reliability index calculation is to select a suitable way that can fit the research’s object among the center point method, the checking-point method, the Monte-Carlo method, the importance sampling method, and so on. Authors use finite element software ANSYS to build model and perform 3D force analysis. According to the results, authors can determine the bridges’ failure modes under the state of 3D stress. Then, authors can list the possible limit state equations related to Stiffness, strength, function, durability, and some character else. After determining the bridge’s structural limit state equation and the probability distribution model of the variables, determine the distribution function of each impact factor and its characteristic parameters through the site survey data and other related data surveys. Then, use the Monte-Carlo method for the calculation of bridge reliability index, obtain the failure probability and reliability index of each limit state equation, analyze the sensitivity of each variable to the reliability index under the ultimate state of the bridge’s bearing capacity. At last, authors give construction quality control plans and suggestions according to the data above.