The invention provides a photosensitive liposome with encapsulated water-soluble medicament, which is composed of temperature-sensitive phospholipid, cholesterol and long circulation material and hollow gold nanoparticle, wherein, the hollow gold nanoparticle has a characteristic absorption peak at the near infrared zone with the wavelength of 700-900 nm, and the particle size distribution of the hollow gold nanoparticle is in the range of 20-100 nm. According to the invention, a brand new photosensitive liposome is composed by wrapping water-soluble medicament and hollow gold nanoparticle with temperature-sensitive liposome. Under the extraneous near infrared light, the wrapped hollow gold nanoparticle generates a photo-thermal treatment effect, simultaneously, the photo-thermal effect controls a rapid site-specific delivery of medicament in a large amount from the photosensitive liposome, thereby blood vessels in the tumour part can be damaged or the tumor cells can be killed effectively with a chemical treatment effect of the medicamen. The drug loaded liposome of the present invention realizes synchronous photo-thermal and medicament molecule treatment effect, and the treatment effect of disease such as tumour is substantially improved, and the invention has clinic applicability and real treatment meaning.