The invention belongs to the technical field of cold-roll plate and strap production, and particularly relates to a production method for producing a cold-roll steel plate used for an oil heater by adopting a continuous annealing mode. The cold-roll steel plate used for the oil heater provided by the invention comprises the following chemical components in percentage by weight: 0.0012-0.0030% of C, less than or equal to 0.02% of Si, 0.10-0.15% of Mn, 0.002-0.010% of P, 0.005-0.015% of S, 0.052-0.070% of Ti, 0.030-0.060% of Als and the balance of Fe and unavoidable impurities. The obtained steel plate meets the requirement that the yield strength is 120-160 MPa; the tensile strength is 280-340 MPa; the elongation A80 is larger than or equal to 39%; the average value of r is larger than or equal to 1.8; and the average value of n is larger than or equal to 0.20.