A high-strength cold-rolled steel sheet consisting of, as a component composition, by mass%: C: 0.075% to 0.300%; Si: 0.30% to 2.50%; Mn: 1.30% to 3.50%; P: 0.001% to 0.050%; S: 0.0001% to 0.0100%; Al: 0.001% to 1.500%; N: 0.0001% to 0.0100%; Ti: 0.150% or less; Nb: 0.150% or less; V: 0.150% or less; Cr: 2.00% or less; Ni: 2.00% or less; Cu: 2.00% or less; Mo: 1.00% or less; W: 1.00% or less; 0.5000% or less in total of at least one of Ca, Ce, Mg, Zr, Hf, and REM; and a balance being Fe and unavoidable impurities, wherein a surface microstructure, which is a microstructure in a surface which is parallel to a steel sheet surface and is positioned at a depth of 20 μm from the steel sheet surface, consists of residual austenite of 3% to 10%, ferrite of 10% to 87%, tempered martensite of 10% to 50%, bainitic ferrite and bainite of 10% to 50% in total, fresh martensite of 15% or less, and pearlite of 5% or less, by volume fraction, an inner microstructure at a depth of t/4 from the steel sheet surface assuming that a sheet thickness is t consists of residual austenite of 8% to 30%, ferrite of 10% to 87%, tempered martensite of 10% to 50%, bainitic ferrite and bainite of 10% to 50% in total, fresh martensite of 15% or less, and pearlite of 5% or less, by volume fraction, a ratio Hvs/Hvb between a surface hardness Hvs at a depth of 20 μm from the steel sheet surface and a hardness Hvb at a depth of t/4 is more than 0.75 to 0.90, and a maximum tensile strength TS is 700 MPa or more; wherein the balance TS × El between maximum tensile strength TS and total elongation El is 18000 MPa·% or more; and a limit bending radius is 1 mm or less and necking does not occur, or a steel sheet in which the limit bending radius is 0.5 mm or less, wherein the limit bending radius is defined as a minimum bending radius in which cracking does not occur after a bending test performed according to JIS Z 2248 in which each of the steel sheets are cut in a direction perpendicular to a rolling direction of the steel sheet, and the end surface is mechanically polished to prepare a test sample having a size of 35 mm × 100 mm, and a 90-degree bending test is performed using a 90-degree die and a punch having a radius R of the tip end of 0.5 mm to 6 mm. C: 0.075% to 0.300%; Si: 0.30% to 2.50%; Mn: 1.30% to 3.50%; P: 0.001% to 0.050%; S: 0.0001% to 0.0100%; Al: 0.001% to 1.500%; N: 0.0001% to 0.0100%; Ti: 0.150% or less; Nb: 0.150% or less; V: 0.150% or less; Cr: 2.00% or less; Ni: 2.00% or less; Cu: 2.00% or less; Mo: 1.00% or less; W: 1.00% or less; 0.5000% or less in total of at least one of Ca, Ce, Mg, Zr, Hf, and REM; and a balance being Fe and unavoidable impurities, wherein a surface microstructure, which is a microstructure in a surface which is parallel to a steel sheet surface and is positioned at a depth of 20 μm from the steel sheet surface, consists of residual austenite of 3% to 10%, ferrite of 10% to 87%, tempered martensite of 10% to 50%, bainitic ferrite and bainite of 10% to 50% in total, fresh martensite of 15% or less, and pearlite of 5% or less, by volume fraction, an inner microstructure at a depth of t/4 from the steel sheet surface assuming that a sheet thickness is t consists of residual austenite of 8% to 30%, ferrite of 10% to 87%, tempered martensite of 10% to 50%, bainitic ferrite and bainite of 10% to 50% in total, fresh martensite of 15% or less, and pearlite of 5% or less, by volume fraction, a ratio Hvs/Hvb between a surface hardness Hvs at a depth of 20 μm from the steel sheet surface and a hardness Hvb at a depth of t/4 is more than 0.75 to 0.90, and a maximum tensile strength TS is 700 MPa or more; wherein the balance TS × El between maximum tensile strength TS and total elongation El is 18000 MPa·% or more; and a limit bending radius is 1 mm or less and necking does not occur, or a steel sheet in which the limit bending radius is 0.5 mm or less, wherein the limit bending radius is defined as a minimum bending radius in which cracking does not occur after a bending test performed according to JIS Z 2248 in which each of the steel sheets are cut in a direction perpendicular to a rolling direction of the steel sheet, and the end surface is mechanically polished to prepare a test sample having a size of 35 mm × 100 mm, and a 90-degree bending test is performed using a 90-degree die and a punch having a radius R of the tip end of 0.5 mm to 6 mm.