The present invention proposes highly practical curable resin compositions for use in water based paints, which contain no, or much less organic solvent when compared with current organic solvent based paints, and which produce painted surfaces which have excellent curability and weather resistant properties, as well as excellent resistance to solvents, chemicals and water. These curable resin compositions include a compound combining both epoxy and hydrolyzable silyl groups, and a water based product obtained by dispersing or dissolving in water, a tertiary amino vinyl polymer, a vinyl polymer containing both tertiary amino and acidic groups, or an acidic vinyl polymer, which has been either partially or completely neutralized by an acidic or basic compound.