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人类最初以实物来表示交易标的的价值；而后以金银货币来支付需要给付对方的价值，由于金银的不便，代替金银货币的银行信用——支付工具随之应运而生了；现代社会，人们以现金支付款项的同时，也运用大量的支付工具——票据。这不再单纯为了方便、快捷和安全，而且是国家调控
In the first place, human beings were used to represent the value of the subject matter of the transaction. Later, gold and silver were used to pay for the value they needed to pay each other. As a result of the inconvenience of gold and silver, the bank credit-payment instrument, which replaced the gold and silver currency, came into being. Modern society , People pay cash in cash, but also use a lot of payment instruments - bills. This is no longer purely for convenience, speed and security, but also national regulation