An image-forming method, containing the steps of: superposing a heat-sensitive transfer sheet on a heat-sensitive transfer image-receiving sheet so that the following at least one receptor layer of the heat-sensitive transfer image-receiving sheet can be contacted with the following thermal transfer layer of the heat-sensitive transfer sheet; and providing thermal energy given by a thermal head in accordance with image signals, thereby to form an image; wherein the heat-sensitive transfer image-receiving sheet is transported at a speed of 125 mm/s or more during the image formation, and wherein the heat-sensitive transfer image-receiving sheet contains, on a support, at least one receptor layer containing a polymer latex, and at least one heat insulation layer containing hollow polymer particles but free of any resins having poor resistance to an organic solvent except for the hollow polymer particles, and the heat-sensitive transfer sheet contains, on a support, a thermal transfer layer.