COLD-ROLLED STEEL SHEET, GALVANIZED COLD-ROLLED STEEL SHEET AND METHOD OF MANUFACTURING THE SAME TECHNICAL FIELD [0001] The present invention relates to a cold-rolled steel sheet and a galvanized cold-rolled steel sheet excellent in press formability, and a method of manufacturing the same. BACKGROUND ART [0002] Various steel sheets are used for a vehicle, and a steel sheet with strength over 980 MPa is used for framework components. This is to enable reduction in weight of a vehicle body to improve mileage of a vehicle while securing collision safety. Improvement in strength is required also for a steel sheet for panel components to enable both the reduction in weight of the vehicle body and the collision safety, and press formability is very important for the steel sheet for panel components depending on usage thereof. [0003] For example, an ultralow carbon steel sheet where Ti and Nb are added is used for outer plate components where the press formability is required, and in particular, a BH (bake hardening) steel sheet is used for an outer plate panel of a door to supply a dent resistance property. Further, a steel sheet with a low yield strength is used from a viewpoint of avoiding a plane defect called as a surface strain, - 1 - which occurs in press forming. As stated above, high strength as same as the framework component is not required and high ductility as same as a mild steel sheet is required due to restrictions such as the surface strain generated in press forming as for the steel sheet used for a complicated shaped component such as an inner plate or the outer plate component even for the steel sheet for the panel component. [0004] A TRIP (transformation-induced plasticity) steel sheet where a transformation-induced plasticity effect is used is known as a steel sheet including ductility and high-strength. For example, a high-strength hot-dip galvanized steel sheet for outer plate and a method of manufacturing the same are disclosed in Patent Literature 1. [0005] However, it is difficult for a conventional TRIP steel sheet including a steel sheet disclosed in Patent Literature 1 to obtain more excellent ductility and hole expandability while obtaining strength of 380 MPa to 630 MPa, which is suitable for a panel component. Various steel sheets are also disclosed in Patent Literatures 2 to 5, but it is difficult to obtain the more excellent ductility and hole expandability while obtaining the strength of 380 MPa to 630 MPa. CITATION LIST PATENT LITERATURE [0006] Patent Literature 1: Japanese Laid-open Patent Publication No. 2012-117148 - 2 - Patent Literature 2: Japanese Laid-open Patent Publication No. 2005-8961 Patent Literature 3: International Publication No. 2011/148490 Patent Literature 4: Japanese Laid-open Patent Publication No. 2000-290745 Patent Literature 5: Japanese Laid-open Patent Publication No. 2009-249676 SUMMARY OF INVENTION TECHNICAL PROBLEM [0007] An object of the present invention is to provide a cold-rolled steel sheet and a galvanized cold-rolled steel sheet capable of obtaining excellent ductility and hole expandability while having appropriate strength, and a method of manufacturing the same. SOLUTION TO PROBLEM [0008] The present inventors came up to various modes of the invention described below by the repeated various hard studies for solving the problems. [0009] (1) A cold-rolled steel sheet, including: a chemical composition expressed by, in mass%; Si: 0.01% to 0.50%; Mn or Cr, or both thereof: 0.70% to 1.50% in total; C: 0.030% to 0.060% when Cr: "0" (zero}% or more and less than 0.30%, - 3 - 0.030% to 0.080% when Cr: 0.30% or more and 1.50% or less; Al: 0.800% to 2.000%; P: 0.030% or less; S: 0.0100% or less; Mo: 0.10% to 0.50%; O: 0.0070% or less; N; 0.0070% or less; B: "0" (zero)% to 0.0020%; Ti: "0" (zero)% to 0.050%; Nb: "0" (zero)% to 0.050%; V: u0" {zero}% to 0.050%; Ni: "0" (zero)% to 1.00%; Cu: «0" (zero)% to 1.00%; Ca or REM, or both thereof: "0" (zero)% to 0.0300% in total; W: "0" {zero}% to 1 . . 000%; Mg: "0" (zero)% to 0.010%; Zr: "0" (zero)% to 0.200%; As : "0" (zero)% to 0.500%; Co: "0" (zero)% to 1.000%; Sn : "0" (zero)% to 0.200%; Pb: "0" {zero)% to 0.200%; Y: "0" (zero)% to C .200%; Hf : M0" (zero)% to 0.2000% the balance: Fe and impurities; and a structure expressed by: an area fraction of ferrite: 95% or more; an area fraction of retained austenite and - 4 - an area fraction of martensite: 1% to 3% in total; a product of the area fraction of retained austenite and a carbon concentration in retained austenite: 1 or more; a value of I{111)/{I(100) + I{110)} at a region v/here a depth from a surface is 1/4 of a thickness of the cold-rolled steel sheet when intensity of a (hkl) plane is expressed by I(hkl): 2 or less. [0010] (2) The cold-rolled steel sheet according to (1), wherein the chemical composition satisfies: Cr: 0.30% to 0.80%; or Mn: 0.40% to 1.00%; or both thereof. [0011] (3) The cold-rolled steel sheet according to (1) or (2), wherein the chemical composition satisfies: B: 0.0003% to 0.0020%; Ti: 0.005% to 0.050%; Nb: 0.005% to 0.050%; or V: 0.005% to 0.050%; or any combination thereof. [0012] {4} The cold-rolled steel sheet according to any one of (1) to (3), wherein the chemical composition satisfies: Ni: 0.01% to 1.00%; or Cu: 0.01% to 1.00%; or - 5 - both thereof. [0013] (5) The cold-rolled steel sheet according to any one of (1) to (4), wherein the chemical composition satisfies Ca or REM, or both thereof: 0.0005% to 0.0300% in total. [0014J (6) The cold-rolled steel sheet according to any one of (1) to (5), wherein the chemical composition satisfies: W: 0.001% to 1.000%; Mg: 0.0001% to 0.010%; Zr: 0.0001% to 0.200%; As: 0.0001% to 0.500%; Co: 0.0001% to 1.000%; Sn: 0.0001% to 0.200%; Pb: 0.0001% to 0.200%; Y: 0.0001% to 0.200%; or Hf: 0.0001% to 0.2000%; or any combination thereof. [0015] (7) A galvanized cold-rolled steel sheet, including: the cold-rolled steel sheet according to any one of (1) to (6); and a hot-dip galvanized layer or an alloyed hot-dip galvanized layer on a surface of the cold-rolled steel sheet. [0016] (8) - 6 - A method of manufacturing a cold-rolled performing hot-rolling of a slab heated to a temperature of 1250°C or less to obtain a hot-rolled sheet; coiling the hot-rolled sheet at a temperature of 650°C or less; then, performing cold-rolling of the hot-rolled sheet with a reduction ratio of 70% or more to obtain a cold-rolled sheet; and performing continuous annealing of the cold-rolled sheet at a temperature of 75Q°C to 900°C, wherein the performing the hot-rolling includes performing finish-rolling at a temperature of 850°C to 1000°C under a state in which two phases of ferrite and austenite exist, a total reduction ratio at last three stands is 60% or more in the finish-rolling, cooling is started within one second from an end of the finish-rolling, and the slab includes a chemical composition expressed by, in mass%, Si: 0.01% to 0.50%; Mn or Cr, or both thereof: 0.70% to 1.50% in total; C: 0.030% to 0.060% when Cr: "0" (zero)! or more and less than 0.30%, 0.030% to 0.080% when Cr: 0.30% or more and 1.50% or less; „ 7 -. 0 N B Ti Al : 0.800% to 2.000%; P: 0.030% or less; S: 0.0100% or less; Mo: 0.10% to 0.50%; 0,0070% or less; 0.0070% or less; "0" (zero)% to 0.0020%; "0" {zero)% to 0.050%; '0" {zero)% to Nb: "0" x0" (zero)% to 0.050%; V: "0" (zero)% to 0.050%; Ni: "0" (zero)% to 1.00%; Cu: "0" (zero)% to 1.00%; Ca or REM, or both thereof: "0" (zero}% to 0.0300% in total; Mg: "0 Zr: w0 As: "0 Co: "0 W: "0" {zero)% to 1.000%; (zero}% to 0.010%; (zero}% to 0.200%; {zero)% to 0.500%; (zero)% to 1.000%; - 55 - Sn: "0" (zero)% to 0.2 00%; Pb: "0" (zero)% to 0.200%; Y: "0" (zero)% to 0.200%; Hf: "0" (zero)% to 0.2000%; and the balance: Fe and impurities; and a structure expressed by: an area fraction of ferrite: 95% or more; an area fraction of retained austenite and an area fraction of martensite: 1% to 3% in total; a product of the area fraction of retained austenite and a carbon concentration in retained austenite: 1 or more; a value of I (111)/{I(100) + 1(110)} at a region where a depth from a surface is 1/4 of a thickness of the cold-rolled steel sheet when intensity of a (hkl) plane is expressed by I(hkl): 2 or less. [Claim 2] The cold-rolled steel sheet according to claim 1, wherein the chemical composition satisfies: Cr: 0.30% to 0.80%; or Mn: 0.40% to 1.00%; or both thereof. [Claim 3] The cold-rolled steel sheet according to claim 1 or 2, wherein the chemical composition satisfies: B: 0.0003% to 0.0020%; Ti: 0.005% to 0.050%; Nb: 0.005% to 0.050%; or V: 0.005% to 0.050%; or - 56 - any combination thereof. [Claim 4] The cold-rolled steel sheet according to any one of claims 1 to 3, wherein the chemical composition satisfies: Ni: 0.01% to 1.00%; or Cu: 0.01% to 1.00%; or both thereof. [Claim 5] The cold-rolled steel sheet according to any one of claims 1 to 4, wherein the chemical composition satisfies Ca or REM, or both thereof: 0.0005% to 0.0300% in total. [Claim 6] The cold-rolled steel sheet according to any one of claims 1 to 5, wherein the chemical composition satisfies: W: 0.001% to 1.000%; Mg: 0.0001% to 0.010%; Zr: 0.0001% to 0.200%; As: 0.0001% to 0.500%; Co: 0.0001% to 1.000%; Sn: 0.0001% to 0.200%; Pb: 0.0001% to 0.200%; Y: 0.0001% to 0.200%; or Hf: 0.0001% to 0.2000%; or any combination thereof. [Claim 7] A galvanized cold-rolled steel sheet, comprising: the cold-rolled steel sheet according to any one of claims 1 to 6; and - 57 - a hot-dip galvanized layer or an alloyed hot-dip galvanized layer on a surface of the cold-rolled steel sheet, [Claim 8] A method of manufacturing a cold-rolled steel sheet, comprising: performing hot-rolling of a slab heated to a temperature of 1250°C or less to obtain a hot-rolled shee t; coiling the hot-rolled sheet at a temperature of 650°C or less; then, performing cold-rolling of the hot-rolled sheet with a reduction ratio of 70% or more to obtain a cold-rolled sheet; and performing continuous annealing of the cold-rolled sheet at a temperature of 750°C to 900°C, wherein the performing the hot-rolling comprises performing finish-rolling at a temperature of 850°C to 1000°C under a state in which two phases of ferrite and austenite exist, a total reduction ratio at last three stands is €0% or more in the finish-rolling, cooling is started within one second from an end of the finish-rolling, and the slab comprises a chemical composition expressed by, in mass%, Si: 0.01% to 0.50%; Mn or Cr, or both thereof: 0.70% to 1.50% in total; - 58 - C: 0.030% to 0.060% when Cr: xv0" (zero)% or more and less than 0.30%, 0.030% to 0.080% when Cr: 0.30% or more and 1.50% or less; Al: 0.800% to 2, 000%; P: 0.030% or less; S: 0.0100% or less; Mo: 0.10% to 0 .50%; 0: 0.0070% or less; N: 0.0070% or less; B: "0" (zero)% to 0.0020%; Ti: "0" (zero)? to 0.050%; Nb: "0" (zero)% to 0.050%; V: "0" (zero)% to 0.050%; Ni: n0" (zero)% to 1.00%; Cu: "0" {zero)% to 1.00%; Ca or REM, or both of them: "0" (zero)% to 0.0300% in total; W: "0" (zero)% to 1 ..000%; Mg: "0" (zero)% to 0.010%; Zr: "0" (zero)% to 0.200%; As: "0" (zero)% to 0.500%; Co: "0" (zero)% to 1.0 00%; Sn: "0" {zero)% to 0 .200%; Pb: "0" £ zero)% to 0.200%; Y: "0" (zero)% to C 1.200%; Hf: *0" (zero)% to 0 .2000% the balance: Fe and impurities. [Claim 9] The method of manufacturing the cold- - 59 - rolled steel sheet according to claim 8, wherein in the chemical composition satisfies: Cr: 0.30% to 0.80%; or Mn: 0.4 0% to 1.0 0%; or both thereof. [Claim 10] The method of manufacturing the cold-rolled steel sheet according to claim 8 or 9, wherein the chemical composition satisfies: B: 0.0003% to 0.0020%; Ti: 0.005% to 0.050%; Nb: 0.005% to 0.050%; or V:. 0.005% to 0.050%; or any combination thereof. [Claim 11] The method of manufacturing the cold-rolled steel sheet according to any one of claims 8 to 10, wherein the chemical composition satisfies: Ni: 0.01% to 1,00%; or Cu: 0.01% to 1.00%; or both thereof. [Claim 12] The method of manufacturing the cold-rolled steel sheet according to any one of claims 8 to 11, wherein the chemical composition satisfies Ca or REM, or both thereof: 0.0005% to 0.0300% in total. [Claim 13] The method of manufacturing the cold-rolled steel sheet according to any one of claims 8 to 12, wherein the chemical composition satisfies: W: 0.001% to 1.000%; Mg: 0.0001% to 0.010%; - 60 - Zr: 0.0001% to 0.200%; As: 0.0001% to 0.5Q0%; Co:'0;0001% to 1.000%; Sn: 0.0001% to 0.200%; Pb: 0.0001% to 0.2 00%; Y: 0.0001% to 0.200%; or Hf; 0.0001% to 0.2000%; or any combination thereof. [Claim 14] A method of manufacturing a galvanized "^cold-rolled steel sheet, • comprising: manufacturing a cold-rolled steel sheet by the method according to any one of claims^.8. to 13; and forming a hot-dip galvanized layer or an alloyed hot-dip galvanized layer on a surface of the cold-rolled steel sheet.