The invention discloses a method of improving the photoelectric properties of a heterojunction solar cell. A covering layer has the functions of surface antireflection, carrier conduction and electrode selective deposition mask, and the method comprises the following steps of: (a) preparing a heterojunction solar cell substrate, (b) depositing a metal seed layer gate, (c) depositing a covering layer in the non-gate region, (d) drying the covering layer, (e) electrochemically depositing a metal electrode in the gate region, (f) post-processing a covering layer, and (g) drying the cover layer. According to the method disclosed in the invention, the complexity of an electrochemical deposition metal electrode process can be obviously reduced, the polymer covering layer is used, the photoelectric property is obviously improved after treatment, the polymer covering layer can also be used as a transparent conductive film of the heterojunction solar cell, and, according to the method, the process of removing the mask by an electrochemical deposition electrode of a conventional heterojunction solar cell is avoided, the transparent conductive film can be used less or not used, the conversionefficiency of the heterojunction solar cell is improved, the production cost is reduced, and the method has remarkable advantages in industrial production.