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In frontier engineering domains, such as aerospace components and high - temperature structural systems, planar heterogeneous materials with arbitrarily shaped inclusions are typically subjected to complex thermoelastic loading conditions[1]. The thermomechanical coupling effects, combined with the coexistence of kinked cracks and multiple inclusions[2], significantly increase the risk of material failure. Traditional computational methods, such as finite element methods, are limited by mesh sensitivity, computational efficiency, and the ability to handle complex geometries, making accurate simulations challenging. Experimental techniques also fall short in comprehensively analyzing the dynamic behavior of materials under combined thermomechanical loads. To address these issues, this study innovatively proposes unified formulations of the equivalent inclusion method and thermoelastic potential functions, deriving a comprehensive set of Eshelby tensors to establish a theoretical framework for thermomechanical coupling analysis. Meanwhile, it integrates the distributed dislocation technique and the numerical equivalent inclusion method, utilizing FFT and CGM algorithms to overcome the computational bottlenecks posed by complex crack-inclusion geometries. These research achievements will deepen the understanding of material behavior mechanisms and provide essential technical support for material design and structural analysis in critical fields, facilitating the safety enhancement of engineering systems.