.用c++代码，最起码是class，写一个复杂的程序，用放到类，继承与派生

好的，我可以给你一个例子，这个程序模拟了一个简单的银行系统，包含账户类、储蓄账户类和支票账户类，其中储蓄账户和支票账户都是从账户类派生而来。

#include<iostream>
using namespace std;

//账户类
class Account {
protected:
    string name;
    long accountNumber;
    double balance;
public:
    Account(string name, long accountNumber, double balance) {
        this->name = name;
        this->accountNumber = accountNumber;
        this->balance = balance;
    }
    virtual void display() {
        cout << "Account: " << name << ", No: " << accountNumber << ", Balance: " << balance << endl;
    }
    virtual void withdraw(double amount) {
        balance -= amount;
    }
    virtual void deposit(double amount) {
        balance += amount;
    }
};

//储蓄账户类
class SavingsAccount : public Account {
private:
    double interestRate;
public:
    SavingsAccount(string name, long accountNumber, double balance, double interestRate)
        : Account(name, accountNumber, balance) {
        this->interestRate = interestRate;
    }
    void display() {
        cout << "Savings Account: " << name << ", No: " << accountNumber << ", Balance: " << balance << ", Interest Rate: " << interestRate << endl;
    }
    void addInterest() {
        balance += balance * interestRate;
    }
};

//支票账户类
class CheckingAccount : public Account {
private:
    double overdraftLimit;
public:
    CheckingAccount(string name, long accountNumber, double balance, double overdraftLimit)
        : Account(name, accountNumber, balance) {
        this->overdraftLimit = overdraftLimit;
    }
    void display() {
        cout << "Checking Account: " << name << ", No: " << accountNumber << ", Balance: " << balance << ", Overdraft Limit: " << overdraftLimit << endl;
    }
    void withdraw(double amount) {
        if (balance - amount >= -overdraftLimit) {
            balance -= amount;
        }
        else {
            cout << "Withdrawal amount exceeded overdraft limit." << endl;
        }
    }
};

int main() {
    Account* account1 = new Account("Tom", 123456, 1000.0);
    account1->display();

    SavingsAccount* account2 = new SavingsAccount("Jerry", 789012, 2000.0, 0.01);
    account2->display();
    account2->addInterest();

    CheckingAccount* account3 = new CheckingAccount("Spike", 345678, 3000.0, 2000.0);
    account3->display();
    account3->withdraw(4000.0);

    delete account1;
    delete account2;
    delete account3;

    return 0;
}

在这个程序中，我们定义了三个类：账户类（Account）、储蓄账户类（SavingsAccount）和支票账户类（CheckingAccount）。储蓄账户和支票账户都是从账户类派生而来，继承了账户类的属性和方法，并且增加了自己的属性和方法。

在主函数中，我们创建了一个账户对象、一个储蓄账户对象和一个支票账户对象，并通过指针调用各自的方法实现了存取款和计算利息等操作。最后，我们在程序结束时释放了各个对象的内存。

这个程序比较简单，但是涉及了面向对象编程的一些基本概念，例如类、继承、派生、多态等。希望对你有所帮助！