A novel method was proposed to determine simultaneously carbaryl and its degradation product 1-naphthol in river and tap water in this paper. The parallel factor analysis (PARAFAC) algorithm was adopted to analyze the excitation-emission matrix (EEM) fluorescence data. The second-order advantage of the PARAFAC-based second-order calibration algorithm was exploited, which make it possible that calibration can be performed even in the presence of unknown interferences. Good recoveries were obtained although the excitation and emission spectral profiles of the analytes were overlapped with background in the river water. It was also applied to investigate the hydrolysis kinetics of carbaryl in river water and tap water. The rate equation, the rate constant and the half life were calculated.