The invention discloses a nano-metal thermal insulation film with low light reflectance and low light transmittance and a preparation method thereof. The pretreated base film, nickel-chromium layer, installation adhesive layer and release film, the visible light transmittance of the nickel-chromium layer is 30% to 60%, and the UV-curable coating includes nano-inorganic pigment slurry, UV-curable resin, photosensitive agent, leveling agent and solvent, the nano-inorganic pigment slurry at least includes carbon black slurry and silicon nitride titanium slurry, and the installation glue layer is formed by coating the installation glue coating, and the installation glue coating includes carbon black slurry, ultraviolet absorber , pressure sensitive adhesives and solvents. In the present invention, the nano-carbon black and nano-silicon-titanium nitride in the anti-scratch layer, the nickel-chromium layer and the nano-carbon black in the installation glue layer jointly realize the heat-insulating film with low visible light transmittance, which not only ensures the weather resistance of the heat-insulating film Stability, and completely solve the light pollution problem of the low-transmittance metal film, that is, the internal and external reflectance of the heat-insulating film is less than 10%.