=SUBSTITUTE(SUBSTITUTE(SUBSTITUTE(IF(-RMB(A1,2),TEXT(A1,";负")&TEXT(INT(ABS(A1)+0.5%),"[dbnum2]G/通用格式元;;")&TEXT(RIGHT(RMB(A1,2),2),"[dbnum2]0角0分;;整"),),"零角",IF(A1^2<1,,"零")),"万",IF(AND(MOD(ABS(A1%),1000)<100,MOD(ABS(A1%),1000)>=10),"万零","万")),"零分","整")