Shrinkage and creep effect (SCE) is unavoidable in construction and operation of concrete bridges, which causes bridges deformed and further affects the running safety and ride comfort of high-speed running trains. This paper presents a framework to establish a high-speed train-track-bridge dynamic model considering concrete SCE, and analyzes influences of SCE on dynamic responses of the coupled system. Firstly, aiming at the 32m-long simply supported box girder bridges, which are most widely used in Chinese high-speed railways, a high-speed train-track-bridge coupled dynamic model is established based on the train-track-bridge dynamic interaction theory, including three submodels of the train, the track and the bridge. Then, adopting the JTG 2012 shrinkage and creep model, the bridge deformation and the corresponding rail deformation are calculated based on finite element method. And finally, regarding the rail deformation caused by SCE as the additional track irregularity, the influences of SCE on the dynamic responses of the train-track-bridge coupled system are investigated. Results show that SCE mainly affects the dynamic responses of the train system, while almost has no effect on other structures. Running safety and ride comfort of the high-speed trains can be guaranteed under the influence of SCE.