Based on the cooling mechanism of the turbocharger bearing, a fluid mesh model and a solid one for simulation were built by using the professional software CFD and FEM. Numerical simulation of the coupled heat transfer of the turbocharger bearing was carried out in the fluid-solid coupling method. And then, the data of flow field, heat transfer coefficient and temperature field for fluid region of bearing was obtained, and the temperature field for solid areas was analyzed. The simulation results show that the temperature distribution of the bearing is more uniform, resulting in better cooling performance under the cooling way by using both oil and water at the same time. The experiment shows that the temperature distribution of the simulation model accords with that of the actual turbocharger bearing, which proves the feasibility of this method.