The present invention provides a zirconium oxide dispersion which contains zirconium oxide particles, a metal complex, and a dispersion medium and which has excellent storage stability a photo-curing composition containing zirconium oxide particles which contains zirconium oxide particles, a metal complex, an actinic energy ray-curing compound, a photopolymerization initiator, and a dispersion medium and which composition can form, on a surface of a substrate, a cured film having excellent transparency and high refractive index, and which composition does not corrode a metal-made apparatus employed in a dispersion process and a coating apparatus and a cured film produced by applying onto a substrate the photo-curing composition containing zirconium oxide particles through coating or printing, followed by hardening.