判断

=IF(AND(S2<=12,BG2-4.35<0),"利率下浮发放的贷款",IF(AND(S2<=12,BG2-4.35=0),"以基准利率发放的贷款",IF(AND(S2<=12,BG2-4.35>0,BG2-4.35<=1.0875),"利率上浮25%以内的贷款",IF(AND(S2<=12,BG2-4.35>1.0875,BG2-4.35<=2.175),"利率上浮25%-50%的贷款",IF(AND(S2<=12,BG2-4.35>2.175,BG2-4.35<=4.35),"利率上浮50%-100%的贷款",IF(AND(S2<=12,BG2-4.35>4.35),"利率上浮超过100%的贷款",IF(AND(S2>12,S2<=60,BG2-4.75<0),"利率下浮发放的贷款",IF(AND(S2>12,S2<=60,BG2-4.75=0),"以基准利率发放的贷款",IF(AND(S2>12,S2<=60,BG2-4.75>0,BG2-4.75<=1.1875),"利率上浮25%以内的贷款",IF(AND(S2>12,S2<=60,BG2-4.75>1.1875,BG2-4.75<=2.375),"利率上浮25%-50%的贷款",IF(AND(S2>12,S2<=60,BG2-4.75>2.375,BG2-4.75<=4.75),"利率上浮50%-100%的贷款",IF(AND(S2>12,S2<=60,BG2-4.75>4.75),"利率上浮超过100%的贷款",IF(AND(S2>60,BG2-4.9<0),"利率下浮发放的贷款",IF(AND(S2>60,BG2-4.9=0),"以基准利率发放的贷款",IF(AND(S2>60,BG2-4.9>0,BG2-4.9<=1.225),"利率上浮25%以内的贷款",IF(AND(S2>60,BG2-4.9>1.225,BG2-4.9<=2.45),"利率上浮25%-50%的贷款",IF(AND(S2>60,BG2-4.9>2.45,BG2-4.9<=4.9),"利率上浮50%-100%的贷款",IF(AND(S2>60,BG2-4.9>4.9),"利率上浮超过100%的贷款",""))))))))))))))))))