抛出异常的经验法则非常简单。当你的代码进入UNRECOVERABLE INVALID状态时，你可以这样做。如果数据被泄露，或者您无法回溯到目前为止发生的处理，那么您必须终止它。你还能做什么呢?您的处理逻辑最终将在其他地方失败。如果你能以某种方式恢复，那么就这样做，不要抛出异常。

在你的特定情况下，如果你被迫做一些愚蠢的事情，比如接受提款，然后才检查用户/密码，你应该通过抛出一个异常来终止这个过程，通知发生了一些不好的事情，并防止进一步的损害。

抛出异常会导致堆栈unwind，这对性能有一定影响(承认，现代托管环境在这方面有所改进)。仍然在嵌套的情况下反复抛出和捕获异常是一个坏主意。

可能比这更重要的是，例外是针对特殊情况的。它们不应该用于普通的控制流，因为这会损害代码的可读性。

在决定异常是否合适时，需要考虑一些有用的事情:

what level of code you want to have run after the exception candidate occurs - that is, how many layers of the call stack should unwind. You generally want to handle an exception as close as possible to where it occurs. For username/password validation, you would normally handle failures in the same block of code, rather than letting an exception bubble up. So an exception is probably not appropriate. (OTOH, after three failed login attempts, control flow may shift elsewhere, and an exception may be appropriate here.) Is this event something you would want to see in an error log? Not every exception is written to an error log, but it's useful to ask whether this entry in an error log would be useful - i.e., you would try to do something about it, or would be the garbage you ignore.

避免抛出异常的主要原因是抛出异常涉及大量开销。

下面这篇文章指出的一件事是，例外是针对异常条件和错误的。

错误的用户名不一定是程序错误，而是用户错误……

下面是关于。net中的异常的一个不错的起点: http://msdn.microsoft.com/en-us/library/ms229030 (VS.80) . aspx

最终，决定取决于是使用异常处理更有助于处理此类应用程序级错误，还是通过您自己的机制(如返回状态代码)更有帮助。我不认为哪个更好有一个严格的规则，但我会考虑:

Who's calling your code? Is this a public API of some sort or an internal library? What language are you using? If it's Java, for example, then throwing a (checked) exception puts an explicit burden on your caller to handle this error condition in some way, as opposed to a return status which could be ignored. That could be good or bad. How are other error conditions in the same application handled? Callers won't want to deal with a module that handles errors in an idiosyncratic way unlike anything else in the system. How many things can go wrong with the routine in question, and how would they be handled differently? Consider the difference between a series of catch blocks that handle different errors and a switch on an error code. Do you have structured information about the error you need to return? Throwing an exception gives you a better place to put this information than just returning a status.

以下是我的建议:

我不认为这总是一个抛出异常的好方法，因为它将花费更多的时间和内存来处理这样的异常。

在我看来，如果某些事情可以用“友好、礼貌”的方式处理(这意味着如果我们可以“通过使用if......或类似的东西来预测这样的错误)，我们应该避免使用“异常”，而只是返回一个像“false”这样的标志，用一个外部参数值告诉他/她详细的原因。

举个例子，我们可以这样创建一个类:

public class ValueReturnWithInfo<T>
{
   public T Value{get;private set;}
   public string errorMsg{get;private set;}
   public ValueReturnWithInfo(T value,string errmsg)
   {
      Value = value;
      errMsg = errmsg;
   }
}

我们可以使用这种“多值返回”类来代替错误，这似乎是处理异常问题的一种更好、更礼貌的方式。

但是，请注意，如果一些错误不能如此容易地用"if"......(例如FileIO异常)描述(这取决于您的编程经验)，则必须抛出异常。