A method of making a cold-rolled steel plate has a chemical composition containing, on the basis of percent by mass, C from 0.03 to 0.12%, Si from 0 to 1.0%, Mn from 0.2 to 0.8%, P at 0.03% or less, S at 0.03% or less, and Al at 0.05% or less. The chemical composition further contains any one of Nb from 0.03 to 0.4% and V from 0.03 to 0.3%. These elements satisfy 5*C %−Si %+Mn %−1.5*Al %