Heat-developable image-recording material and method for forming image by heat development using same

The present application claims priority under 35 USC 119 on Japanese patent applications No. 2000-017863, filed on Jan. 24, 2000, and No. 2000-081782, filed on Mar. 17, 2000, which are herein incorporated by reference. A heat-developable image-recording material comprising, on a support, a silver-supplying layer containing an organic silver salt, a reducing agent and an organic binder, and a separate photosensitive layer containing a photosensitive silver halide, the heat-developable image-recording material further containing an electron-transfer agent; and a method for forming an image by heat development comprising; imagewise exposing the heat-developable image-recording material and then heat-developing, whereby development of the photosensitive layer forms a silver image in the silver-supplying layer.