In this paper, the composite adsorbent by MOFs-based modified biochar was prepared by in-situ growth method based on the structural design of modified biochar and Mg-MOF-74, both of which contained unsaturated metal centers and oxygen-containing functional groups. The coupling mechanism between MOFs and biochar was investigated by CO2 adsorption properties and various characterizations. Based on the density functional theory (DFT), the three-dimensional model of composite adsorbent was constructed by combining the characterization of various microscopic properties to reveal CO2 adsorption mechanism of the composite adsorbent. Finally, the correctness of the microscopic mechanism of the composite adsorbent was verified by using surface element analysis. The results reveal that biochar causes lattice defects in MOFs, improving the pore structure, and the composite of biochar and MOFs increases the CO2 adsorption performance. Biochar is connected with Mg-MOF-74 through oxygen-containing functional groups and unsaturated metal centers to form a composite adsorbent. The four adsorption sites constructed with electron-bearing oxygen vacancies, metal ions, lattice oxygen, and chemisorbed oxygen are coupled to act on CO2 adsorption, chemisorption properties of the composite adsorbent are enhanced. MOFs are affected by the spatial site resistance effect brought by the biochar to produce oxygen defects, which couples with the unsaturated metal adsorption sites to realize the composite adsorption of metals. There is electron transfer during CO2 adsorption by the composite adsorbent and the stable carbonate is generated.