The invention discloses a fuel cell combined heat and power system. The system comprises a cell unit, a combustion reaction chamber, a high-temperature heat storage device and a raw material supply unit, wherein the raw material supply unit is respectively connected with the cell unit and the combustion reaction chamber and is used for supplying raw materials to the cell unit and the combustion reaction chamber; the combustion reaction chamber is respectively connected with the raw material supply unit and the high-temperature heat storage device and is used for carrying out combustion reaction on raw materials provided by the raw material supply unit and/or unused raw materials of the cell unit to generate high-temperature tail gas and conveying the high-temperature tail gas to the raw material supply unit and the high-temperature heat storage device; the high-temperature heat storage device is connected with the cell unit and is used for conveying the stored heat to the cell unit; the cell unit is used for converting chemical energy of raw materials into electric energy for output. Through the implementation of the invention, the high-temperature heat storage device stores the heat generated by the combustion reaction chamber and transmits the heat to the cell unit, so that the cell unit is rapidly heated to the working temperature, and the problem of long starting time of the fuel cell can be solved.