An image-forming method, having: superposing a heat-sensitive transfer sheet on a heat-sensitive transfer image-receiving sheet so that at least one receptor layer of the heat-sensitive transfer image-receiving sheet can be contacted with a thermal transfer layer of the heat-sensitive transfer sheet; and providing thermal energy in accordance with image signals given from a thermal head, thereby to form an image; wherein the heat-sensitive transfer sheet has the thermal transfer layer that contains a thermally transferable colorant on one surface of a substrate film, and a heat-resistant sliding layer that is formed so as to contain a hardener on the other surface; and wherein the heat-sensitive transfer image-receiving sheet has, on a support, the at least one receptor layer that contains a latex polymer, and at least one heat insulation layer that contains hollow polymer particles but does not contain a resin having poor resistance to an organic solvent.