This invention relates to a process for forming a multi-layer coating film by applying, to a substrate, intermediate paint, metallic paint and clear paint by 3C1B method, which process is characterized in that said intermediate paint contains 0.5 to 5 phr of flat talc powder of a size of 0.5 to 10 &mgr;m in longer direction and 0.01 to 1 &mgr;m in thickness, and has a total pigment content of 40 to 100 phr.