select b.user_phone
from (select txt=convert(xml, '<root><v>' + replace(user_phone, ',', '</v><v>') + '</v></root>')
from qy_guest_new_house_subscribe) a
outer apply
(select user_phone=C.v.value('.', 'nvarchar(100)') from a.txt.nodes('/root/v') C(v)) b
b.user_phone 是字段
qy_guest_new_house_subscribe 表名
, 分隔符
附上sql server 文档地址
https://docs.microsoft.com/zh-cn/sql/t-sql/xml/nodes-method-xml-data-type?view=sql-server-ver15