Cracking in tunnel linings is a common issue in tunnel engineering, with the main cause being construction-induced defects. As a construction-induced defect in a lining, a cold joint affects the bearing capacity of the lining, and the effect of cold joints on the bearing performance deterioration of linings remains unclear. In this study, 180 high-speed railroad tunnels built in Grade III surrounding rock areas were investigated to determine their degradation states, and the distribution of lining cracks in these tunnels was explored on the basis of different factors. Subsequently, three-point bending experiments were conducted on concrete components with different pouring interval cold joint. Based on the experimental results, a computational unit applicable to cold joint simulation was proposed, and the unit parameters were inverted. Finally, the unit was applied to establish a tunnel model with cold joints and to analyze the deterioration effect of cold joints on the bearing performance of the lining. The cracks caused by cold joints in the lining of a structure were found to extend perpendicular to the lining surface, and this can greatly affect the overall strength of the structure. It's important to consider the impact of cold joints on the lining. In order to simulate these cold joints, cohesive elements were used to calculate the maximum stress and stiffness degradation of the lining with and without cold joint elements. The results showed that there were only small differences, indicating that cohesive elements are effective for simulating cold joints. Two cracking patterns were identified, the dorsal tension misalignment model and the medial tension misalignment model, which are related to the stress state of the cold joints. It's necessary to pay attention to cold joints in the inner tensioned area of the lining and those that exceed the final setting time of concrete during pouring.