使用Windows API来判断

/*
 * @brief 是否有文件的读写权限
*/
bool CanReadWriteFile(const CString& strPathFile )
{
	HANDLE hOpenFile = ::CreateFile(strPathFile,
		GENERIC_READ | GENERIC_WRITE,
		FILE_SHARE_READ | FILE_SHARE_WRITE | FILE_SHARE_DELETE,
		NULL,
		OPEN_EXISTING,
		FILE_ATTRIBUTE_NORMAL, NULL);
	if (INVALID_HANDLE_VALUE == hOpenFile)
	{
		return false;
	}
	::CloseHandle(hOpenFile);
	hOpenFile = NULL;

	return true;
}

/*
 * @brief 是否有文件夹的读写权限
*/
bool CanReadWriteFolder(const CString& strFolder)
{
	HANDLE hOpenDir = ::CreateFile(strFolder,
		GENERIC_READ | GENERIC_WRITE,
		FILE_SHARE_READ | FILE_SHARE_WRITE | FILE_SHARE_DELETE,
		NULL,
		OPEN_EXISTING,
		FILE_ATTRIBUTE_NORMAL | FILE_FLAG_BACKUP_SEMANTICS, NULL);
	if (INVALID_HANDLE_VALUE == hOpenDir)
	{
		return false;
	}

	::CloseHandle(hOpenDir);
	hOpenDir = NULL;
	return true;
}