A1=数字
B1=SUBSTITUTE(IF(A1>=1,IF(A1>=0,"零",IF(A1>-1,"负零","负")))&TEXT(TRUNC(A1),"[dbnum1]g/通用格式;[dbnum1]g/通用格式;")&SUBSTITUTE(TEXT(RIGHT(A1,LEN(A1)-LEN(TRUNC(A1))),"点[dbnum1]g/通用格式;点[dbnum1]g/通用格式;"),"○.",),"○","零")