A cold-rolled steel sheet for outer panels and the like of an automobile body, a galvannealed steel sheet using the cold-rolled steel sheet, and a method for manufacturing the same are disclosed. It is an object of the present invention to provide a high strength cold-rolled steel sheet, which has superior bake hardenability, aging resistance at room temperature and secondary work embrittlement resistance, and a method for manufacturing the same. The steel sheet has a grain size of ASTM No. of 9 or more after annealing, a BH of 30 MPa or more, an AI of 30 MPa or less, and a tensile strength of 340˜390 MPa through appropriate control of solute elements in steel by addition of a small amount of Ti, addition of Al and Mo, and control of manufacturing conditions, and refinement of crystal grains after annealing. The cold-rolled steel sheet and the galvannealed steel sheet produced using the cold-rolled steel sheet have the superior bake hardenability, aging resistance at room temperature, and secondary work embrittlement resistance.