The invention discloses a matt-white immersion-gold-resistant, anti-cracking and light-sensing solder mask material and a preparation method thereof. The matt-white immersion-gold-resistant, anti-cracking and light-sensing solder mask material mainly comprises a main agent and a curing agent, wherein the main agent comprises acrylic resin with a special function, acrylic resin, a photoinitiator, a dispersing agent, dibasic ester, fumed silica, barium sulfate, titanium dioxide and an antifoaming agent; the curing agent comprises thermocuring resin, a curing additive, melamine, a photocuring monomer, triglycidyl isocyanurate, titanium dioxide and dibasic ester. The prepared matt-white light-sensing solder mask material has high immersion gold resistance and yellowing resistance, and is more stable and reliable during normal technology use of a PCB (printed circuit board).