Abstract: The invention relates to aqueous dispersions of cross-linked polymer microparticles, prepared in an aqueous medium from a polymer, optionally dissolved in an organic solvent, said polymer bearing at least two hydroxyl groups and comprising a number of ionic groups sufficient for the formation of a stable aqueous dispersion, as the component (A) and one further component (B) at an elevated temperature, characterized in that component (A) is a polyesterpolyol, a polyurethane or a polyacrylate having an acid value of from 5 to 168, and that component (B) is an aminoplast resin consisting of molecules containing at least two reactive groups consisting of hydroxyl and/or amino and/or ether groups, that the ratio by weight of component (A) to component (B) is between 30:70 and 95:5, and that the dispersion is stable and usable in water and/or an organic solvent or mixtures thereof.