A development agent containing toner that contains a binder resin having a crystalline resin that has a urethane and/or urea bond in its main chain, a coloring agent, and an organically modified inorganic laminate compound in which organic ions are at least partially substituted for ions present between layers of the organically modified inorganic laminate compound, and toner carrier that contains a core material whose surface is coated with a coating layer having a condensed compound of a melamine resin and/or a guanamine resin and an acrylic resin having a hydroxyl group.