CONCATENATE(IF(金额<0,"负",""),SPLIT(CONCATENATE(TEXT(INT(SPLIT(TEXT(金额,"[Num0]"),".")[0]),"[Num2]"),"圆",TEXT(INT(SPLIT(SPLIT(TEXT(金额,"[Num0]"),".")[1],"")[0]),"[Num2]"),"角",TEXT(INT(SPLIT(SPLIT(TEXT(金额,"[Num0]"),".")[1],"")[1]),"[Num2]"),"分"),"-"),"整")

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妙简：懒人福音 金额大写公式也可以这么简单

https://bbs.fanruan.com/thread-137453-1-1.html

CNMONEY()

IF(LEFT(TEXT(报销金额总计),1)=="-","负","")+TEXT(INT(ABS(报销金额总计)),"[Num2]圆")+TEXT(IF(SEARCH(".",TEXT(报销金额总计))!=0,MID(TEXT(报销金额总计),SEARCH(".",TEXT(报销金额总计))+1,1),""),"[Num2]角")+TEXT(IF(SEARCH(".",TEXT(报销金额总计))!=0,MID(TEXT(报销金额总计),SEARCH(".",TEXT(报销金额总计))+2,1),""),"[Num2]分")+"整"