Provided are a high-strength cold-rolled steel sheet having excellent formability, excellent ductility, excellent hole expansibility, and high yield ratio and a method for producing the same. The high-strength cold-rolled steel sheet contains 0.05% to 0.15% C, 0.10% to 0.90% Si, 1.0% to 2.0% Mn, 0.005% to 0.05% P, 0.0050% or less S, 0.01% to 0.10% Al, 0.0050% or less N, and 0.010% to 0.100% Nb, which are chemical components, on a mass basis, the balance being Fe and unavoidable impurities; has a microstructure which is a multi-phase structure containing 90% or more of a ferrite phase and 0.5% to less than 5.0% of a martensite phase on a volume fraction basis, the remainder being low-temperature transformation phases; and has a yield ratio of 70% or more.