The goldsmith in your town writes out a note saying, I will pay to the bearer of this note so much gold, and then the bearer could be anyone.

你居住城镇的金匠写下票据并承诺,我会付给持票人这么多数量的金子,任何人都可以是持票人

耶鲁公开课 - 金融市场课程节选

But eventually you have this bearer note that you start passing around to spend to other people and they start to think of them as money and that's the origin of banking.

但是最终，你持有这个不记名票据,并且开始将其流传到,别人手中,然后他们开始将其视为金钱,这就是银行业的起源。

耶鲁公开课 - 金融市场课程节选

If it was a bearer note " if the note said I'll pay if it wasn't a unique object but just gold the note would say that this goldsmith will pay to the bearer so many ounces of gold.

如果这是一个不记名票据,如果上面写着：“我会付款的,如果上面写着的东西只是金子而不是特别的物品,那么票据上就会显示这个金匠,要给这个不记名者多少盎司的金子。

耶鲁公开课 - 金融市场课程节选