The invention discloses a dynamic-disaster and displacement simulation test system and method for a deep high-ground-stress coal and rock mass. The system comprises a cavity for containing a tested rock sample, a stress loading module for applying three-axis stress is arranged on the cavity, and counterforce modules for resisting three-axis stress and providing counterforce supporting are arranged at the upper end and the lower end of the cavity, a filling mechanism for injecting and discharging high-pressure gas/liquid into/from the cavity is arranged on one side of the cavity, and a roadway-excavation and instant-opening module capable of disconnecting or connecting the cavity from or with the outside is arranged at the other end of the cavity. By controlling the roadway-excavation and instant-opening module to be opened or closed, the multi-field coupling reaction of the tested rock sample in the deep high-ground-stress gas/liquid-containing environment is completed; an overturning module capable of pushing the cavity to move between the horizontal orientation and the vertical orientation is arranged outside the cavity. Simulation of working conditions such as tunnel excavation under the true-three-axis high ground stress condition can be achieved, and the test functions such as surface-type air inflation and water injection simulation, adsorption and desorption of coal and gas and hydraulic fracturing and displacement of simulating materials can be achieved.