目前最简短的人民币金额大写公式：

187个字符
=SUBSTITUTE(SUBSTITUTE(TEXT(TRUNC(FIXED(A2)),"[>0][dbnum2]G/通用格式元;[<0]负[dbnum2]G/通用格式元;;")&TEXT(RIGHT(FIXED(A2),2),"[dbnum2]0角0分;;"&IF(ABS(A2)>1%,"整",)),"零角",IF(ABS(A2)<1,,"零")),"零分","整")

183个字符
=SUBSTITUTE(SUBSTITUTE(IF(A2>-0.5%,,"负")&TEXT(INT(FIXED(ABS(A2))),"[dbnum2]G/通用格式元;;")&TEXT(RIGHT(FIXED(A2),2),"[dbnum2]0角0分;;"&IF(ABS(A2)>1%,"整",)),"零角",IF(ABS(A2)<1,,"零")),"零分","整")

181个字符
=SUBSTITUTE(SUBSTITUTE(IF(A2>-0.5%,,"负")&TEXT(INT(ABS(A2)+0.5%),"[dbnum2]G/通用格式元;;")&TEXT(RIGHT(FIXED(A2),2),"[dbnum2]0角0分;;"&IF(ABS(A2)>1%,"整",)),"零角",IF(ABS(A2)<1,,"零")),"零分","整")

183个字符
=SUBSTITUTE(SUBSTITUTE(IF(A2>-0.5%,,"负")&TEXT(INT(FIXED(ABS(A2))),"[dbnum2]G/通用格式元;;")&TEXT(RIGHT(FIXED(A2),2),"[dbnum2]0角0分;;"&IF(ABS(A2)>1%,"整",)),"零角",IF(ABS(A2)<1,,"零")),"零分","整")

194个字符
=SUBSTITUTE(SUBSTITUTE(SUBSTITUTE(IF(A2>-0.5%,,"负")&TEXT(INT(FIXED(ABS(A2))),"[dbnum2]")&TEXT(RIGHT(FIXED(A2),2),"[dbnum2]元0角0分;;元"&IF(ABS(A2)>1%,"整",)),"零角",IF(ABS(A2)<1,,"零")),"零元",),"零分","整")

196个字符
=SUBSTITUTE(SUBSTITUTE(IF(A2>-0.5%,,"负")&IF(ABS(A2)+0.5%<1,,TEXT(INT(ABS(A2)+0.5%),"[dbnum2]")&"元")&TEXT(RIGHT(FIXED(A2),2),"[dbnum2]0角0分;;"&IF(ABS(A2)>1%,"整",)),"零角",IF(ABS(A2)<1,,"零")),"零分","整")

169个字符
=IF(A2=0,"零",IF(A2>-0.5%,,"负")&TEXT(INT(ABS(A2)),"[dbnum2]G/通用格式元;;")&SUBSTITUTE(SUBSTITUTE(TEXT(RIGHT(FIXED(A2),2),"[dbnum2]0角0分;;"),"零角",IF(ABS(A2)<1,,"零")),"零分","整"))

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要是有个实例说明补充的话就更好了，不过就这样也非常感谢了！谢谢！