'问题：生成的txt没办法导入网银。最后考虑是编码问题，果然，把utf-8编码修改为gb2313即可。
Dim filepath As String
Dim fileName As String
Dim OutputFile As String 
OutputFile = filepath + fileName +".txt"
If Dir$(OutputFile) <> "" Then
    Kill OutputFile
End If

Dim objStream As Variant
Set objStream = CreateObject("ADODB.Stream")
objStream.Type = 2
objStream.Mode = 3
'objStream.Charset = "utf-8"
objStream.Charset = "gb2312"　　'通过Chartset设置编码。
objStream.Open

objStream.WriteText "OBSSSTART",1

objStream.WriteText "OBSSEND",1

objStream.SaveToFile OutputFile,2
objStream.Flush
objStream.Close
Set objStream = Nothing