PURPOSE: To obtain a curable coating composition excellent in scratch resistance, gasoline resistance, etc., by incorporating a specific carbamate-functional polymer and a compound having a plurality of functional groups which are reactive with the carbamate groups on this polymer.

CONSTITUTION: A polyisocyanate (e.g. toluene diisocyanate) and an active hydrogen-containing chain extender (e.g. trimethylolpropane) are mixed and reacted. Then, the resulting polymer and a compound having a group which is reactive with this polymer and a carbamate group or a group which can be converted to a carbamate group (e.g. a hydroxyalkyl carbamate) are mixed and reacted to prepare a carbamate-functional polymer. Subsequently, this carbamate-functional polymer and a compound having a plurality of functional groups which are reactive with the carbamate groups on this polymer(e.g. a melamine-form-aldehyde resin) are incorporated as the essential components to prepare a curable coating composition.