The present invention has for its object to provide an emulsion polymer resin composition adapted to give a coating film having an excellent appearance in terms of gloss, image sharpness, and apparent thickness, be satisfactory in curability and storage stability, contribute to cost reduction, express satisfactory coating film properties such as hardness, high impact resistance, scratch resistance, acid rain resistance, and weather resistance, and be conducive to a reduced VOC level, a curable composition comprising the above emulsion polymer resin composition and a crosslinking agent, and a cured coating film formed from the above curable composition.