The invention relates to a preparation method of thermosensitive liposome with a whitening effect. The preparation method is characterized by comprising the following steps: A, weighing a whitening composition, liposome, a membrane stabilizer, ethyl alcohol, glycerol and deionized water; B, adding the liposome and the membrane stabilizer into the ethyl alcohol, stirring under the condition that the temperature is 20 to 25 DEG C and the rotating speed is 300 to 800 rpm till a mixture is completely dissolved; adding the glycerol and continuously stirring till the liquid becomes clear and transparent to obtain a lipid membrane mixed solution; C, adding the whitening composition into the lipid membrane mixed solution and stirring under the condition that the temperature is 20 to 25 DEG C and the rotating speed is 300 to 800 rpm till the liquid becomes clear and transparent to obtain a whitening agent and lipid membrane pre-mixed solution; D, adding the whitening agent and lipid membrane pre-mixed solution into the deionized water, stirring for 10 minutes under the condition that the temperature is 20 to 25 DEG C and the rotating speed is 300 to 800 rpm, putting into a refrigerator andreducing the temperature to 2 to 5 DEG C; then at the pressure of 1500 bar, homogenizing for 1 to 3 times by using a high pressure homogenizer, thus obtaining the thermosensitive liposome with the whitening effect. The thermosensitive liposome with the whitening effect, disclosed by the invention, has the beneficial effects of simultaneous loading of three whitening active substances, good whitening effect and thermosensitive characteristic after transdermal absorption.