假设金额数值在B2单元格
=IF(B2="","",TEXT(INT(B2),"[DBNum2]G/通用格式")&"元"&IF((INT(B2*10)-INT(B2)*10)=0,"",TEXT(INT(B2*10)-INT(B2)*10,"[DBNum2]G/通用格式")&"角")&IF((INT(B2*100)-INT(B2*10)*10)=0,"整",TEXT(INT(B2*100)-INT(B2*10)*10,"[DBNum2]G/通用格式")&"分"))