This paper presents an experimental and numerical simulation study on the corrosion of chloride ions in concrete components, using a single pre-applied bending load to represent an additional bending moment caused by an external one-off disturbance. Besides, a novel correlation testing method, the Pearson-Mutual Information (PMI) method, is proposed based on Pearson correlation coefficients and mutual information theory. The findings indicate that a significant effect on chloride ion transport is only observed when the ratio of the applied bending load to the ultimate bending load (λ) exceeds 0.3. There is a distinctly positive and nonlinear relationship between λ and free chloride concentration (CCl), the apparent chloride diffusion coefficient (Da), as well as apparent surface chloride concentration (Cs). The bivariate time-varying model developed in this study demonstrates high fitting accuracy, with simulation results that closely correspond to actual measured data, achieving a coefficient of determination (R²) of 0.98 or higher. Furthermore, a sensitivity analysis of the model input parameters indicates that Cs is more sensitive than Da, and λ is identified as the key parameter. The impacts of the interfacial transition zone (ITZ) and its diffusion coefficient (Ditz) were found to be minimal on the output of the model.