假设合计金额的小写在B16中
=IF(INT(B16)=0,"",TEXT(INT(B16),"[DBNum2]")&"元")&IF(OR(INT(B16*10)=0,INT(B16)=B16),"",IF(INT(B16*10)=INT(B16)*10,"零",RIGHT(TEXT(INT(B16*10),"[DBNum2]"),1)&"角"))&IF(INT(B16*100)=INT(B16*10)*10,"整",RIGHT(TEXT(ROUND(B16,2),"[DBNum2]"),1)&"分")
