The invention provides a high-water pressure, high-stress and automatic-mining mine water disaster comprehensive analog system and a test method, belonging to the technical field of basic research of water prevention and treatment in a mine. The invention mainly relates to a mine water damage comprehensive analog system which is good in leakproofness, and can simulate the mining, reflect the mutual function between a rock mass at a top plate and a base plate and the water, and obtain the change regularity of solid and liquid physical mechanics parameters under the conditions of high water pressure and high vertical stress. By adopting a cylindrical closed test chamber and an automatic mining analog device in the chamber, the system allows the highest water pressure at 3MPa, applies the maximum vertical load at 3MPa, has the test diameter at 1.4m, and has the sample assembly height at 1.4m. The system comprises a model test chamber, a stable high-water pressure (flow) water supply and control device, a mining simulating and controlling device, a multiple interference flow observing device and an assembly observing subsystem of pressure, stress, temperature and PH value. The invention further establishes a test method for automatically simulating the mining of the dynamic sudden water inflow by the top plate and the base plate of the mine under the conditions of high water pressure and high stress and the real-time monitoring.