Commercial Banks and the financial synergy development of the economy is a new pattern of national financial development. This paper, by using 16 representative commercial banks in China from 2011 to 2019 and the data platform of the digital economy, measure the commercial banks and the digital economy overall coordination degree and the development trend.The results showed: 1) the overall development of commercial bank and the overall level of the digital economy appear coordination state; 2) three core business of commercial bank and the digital economy has coordinated development trend, and the intermediary business and liabilities and the synergistic effect of digital economy stronger than the assets of the business; 3) the characteristics of commercial banks, business properties for different levels of collaborative degree of structural heterogeneity, and the influence between stateowned banks and nonstate bank structure are the obvious heterogeneity. To do this, we suggest to improve the financial system of the coordinated development; cultivate the financial market environment of the coordinated development; establish the winwin cooperation management mechanism between the commercial banks and the digital economy flat.

digital economy； digital economy platform; commercial banks; trend of financial coordination; structural heterogeneity