The charge transfer efficiency and the recyclability were still the potential factors limiting the widespread application of photocatalysts for pollutant removal. Herein, a novel design perspective for BiOIO3-based S-scheme heterojunction (La-BiOIO3/Bi2O3) with modulated Fermi level and enhanced internal electric field was proposed by in situ liquid-phase growth strategy. Meanwhile, the CFs@La-BiOIO3/Bi2O3 catalysts with high stability and easy recyclability were assembled based on industrial carbon fiber cloths, which can achieve efficiently photocatalytic removal of diclofenac (DCF, 95.5 %, 20 min) and bisphenol A (BPA, 100 %, 30 min) under simulated sunlight irradiation. The photocatalytic degradation rates of DCF were 52.8 and 12.4 times that of pure BiOIO3 and Bi2O3, respectively. The high specific surface area (39.74 m2·g−1) and suitable bandgap structure (2.74 eV) also demonstrated the excellence of the CFs@La-BiOIO3/Bi2O3 degradation system. Verification of heteroatom-driven electron rearrangement and charge migration route in heterostructure was performed through XPS analysis and Mott-Schottky experiments. Gaussian calculations, LC-MS, and toxicity assessments demonstrated that reactive oxygen species (ROS) such as ·O2− and ·OH selectively attacked the electronic groups of DCF and its intermediates, which combined with holes (h+) retained in the valence bands of Bi2O3 to synergistically achieve efficient degradation and detoxification of DCF. Finally, the charge migration mechanism for the photocatalytic elimination of DCF over CFs@La-BiOIO3/Bi2O3 photocatalyst was proposed. Similar studies can be extended to other structures capable of achieving rational Fermi level modulation and synchronous carrier introduction for the remediation of polluted waters, providing novel perspectives for improving photocatalytic driving capacity.