Fuel cell stack and fuel cell system with a plurality of generation modules

PURPOSE: A fuel cell stack and a fuel cell system, including generation modules are provided to maximize the fuel usage rate of the fuel cell stack by operating a number of generation modules corresponding to the consumed power of a load. CONSTITUTION: A fuel cell stack comprises the following: generation modules(11,12,13,14); and insulating plates(15,16,17) insulating the generation modules by being installed among the generation modules. Each generation module includes plural cells(111,112,113,114) generating the unit power from the fuel energy, and current collectors(116,117) collecting the power generated from the cells.