Abstract: The coupled problem means fluid-structure interaction widely encountered in aviation, offshore and nuclear engineerings. The coupling method here means the combination of finite and boundary elements(FE/BE)to improve the computational effciency considerably. In this paper, a general math. Model for simulation of the wetted structure dynamic response to inter/external fluid flow is presented. In particular, the various boundary conditions for fluid region are treated sophsticatedly. In this way, only the displacement and pressure remain to be the independent variables so that both computer cost and accuracy could be improved. The FORTRAN program package of this model has been compiled on #Univac-1110 in Madison (MACC), USA, and on #M340S computer in Wuhan University, China. As a first approximation, in this paper a 2-D example for the ship-wave interaction analysis is illustrated.