You still have to hide the note from theft, but at least you don't have to hide a whole bunch of gold from theft.

你仍然需要小心藏好票据防止被偷走,但是至少你不用,再藏一堆金子了

耶鲁公开课 - 金融市场课程节选

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

That's how paper money got started, as bearer notes, because if you had gold with the goldsmith you could spend the note, at least within the town that you live in where the goldsmith was known and had a reputation.

纸币就以不记名票据的形式出现了,如果你的金子存在金匠那里,你可以直接支出这些票据,至少在你所居住的城镇可以这样做,因为金匠在本地有着并众所周知的信誉

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