HIGH-STRENGTH COLD-ROLLED STEEL SHEET HAVING EXCELLENT WORKABILITY AND COLLISION CHARACTERISTICS AND HAVING TENSILE STRENGTH OF 980 MPa OR MORE, AND METHOD FOR PRODUCING SAME

Provided are: a high-strength cold-rolled steel sheet having a tensile strength of 980 MPa or more, having good formability as evaluated by ductility and stretch-flangeability, and having excellent crashworthiness; and a method for producing the steel sheet. In this high-strength cold-rolled steel sheet, the metal structure at a position of 1/4 of the sheet thickness satisfies (1) to (4) below. (1) The area ratio of ferrite is more than 10% to 65% or less, with the balance being a hard phase including quenched martensite and retained austenite and including at least one selected from the group consisting of bainitic ferrite, bainite, and tempered martensite. (2) The volume ratio V ³ of retained austenite is 5% or more to 30% or less. (3) The area ratio V MA of an MA structure in which quenched martensite and retained austenite are combined is 3% or more to 25% or less, and the average circle-equivalent diameter of the MA structure is 2.0 µm or less. (4) The ratio V MA /V ³ of the area ratio V MA of the MA structure to the volume ratio V ³ of the retained austenite is 0.50 to 1.50.