Spectral characteristics of CDOM in water column are a key parameter for bio-optical modeling. Knowledge of CDOM optical properties and spatial discrepancy based on the relationship between water quality and spectral parameters in Yinma River watershed with in situ data collected highly-polluted waters are exhibited in this study. Seasonal field data sets collected over a period of 2 months in 2015 in Yinma River Watershed. Based on the comprehensive index method, the riverine waters showed serious contamination, especially the COD, Fe, Mn, Hg and DO were out of range contamination warning. Dissolved organic carbon (DOC) and total suspended matter (TSM) with prominent non-homogenizing were significantly high in the riverine waters, but chlorophyll-a (Chl-a) was opposite. Ternary phase diagram showed that non-algal paritcles absorption played an important role in total non-water light absorption (>50%) in most sampling locations, and mean contribution of CDOM were 13% and 22% in summer and autumn respectively. Analysis of ratio of absorption at 250-365 nm (E_250:365) and spectral slope (S_275-295) indicated that CDOM had higher aromaticity and molecular weight in autumn than in summer, is consistent with the results of water quality and relative contribution. Redundancy analysis (RDA) indicated that the environmental variables OSM had a strong correlation with CDOM absorption, followed by heavy metal, e.g., Mn, Hg and Cr⁶⁺. However, for the specific UV absorbance (SUVA₂₅₄), the seasonal values showed opposite results compared with the reported literature. The potential reasons were the more UDOM (uncolored Dissolved Organic Matter) from human source (wastewater effluent) existed in waters. Terrigenous inputs simultaneously are in relation to the a_CDOM(440)-DOC relationship with the correlation coefficient was 0.90 in summer (2-tailed, p<0.01), and 0.58 in autumn (2-tailed, p<0.05). Spatial distribution of CDOM parameters exhibited that the downstream regions focused on dry land have high CDOM molecular weight and aromatic hydrocarbon. Partial sampling locations around the cities or countries generally showed abnormal values due to terrigenous inputs. As a bio-optical model parameter, spectral characteristic of CDOM is helpful in adjusting the derived algorithms in highly-polluted environments. The study on organic carbon and pollutants in highly-polluted waters had an important contribution to global carbon balance estimation and water environment protection.