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1、OriginalCreationStatementIholdtothetruthofthefollowingstatements：thethesisbroughtforwardismyownresearchfruitinstructedbymysupervisor．AsIknow,thethesisdoesnotincludeothers’researchfruits，whichhavebeenpublishedorwritten，andothermaterials，whichhavebeenusedinordertoobtaindegreesorcertifi
2、catesinWuhanUniversityofTechnologyorothereducmioninstitutions，exceptthosenotedmarksandexpressingthanksplaces．Allcontributionsofferedbymycolleaguesinthisresearchhavebeennotedclearlyinthethesis，andIhaveexpressedmygratitudeinit，too．SignatureofPostgraduate：Date：i!MonthLbDay,．tk／YearExpla
3、nationontheAuthorizationofThesisApplicationIunderstandtherulesonkeepingandapplyingdegreethesesofWuhanUniversityofTechnologycompletely,i．e．therightofkeepingthesescopiessubmittedandtherightofborrowingandreferringthesesareheldbyWuhanUniversityofTechnology；andWuhanUniversityofTechnologyi
4、sabletopublicizethewholecontentofthesesandtokeepthesesbyphotocopy,microphotocopy,orotherreplicatingways．SignatureofPostgraduatSignatureofSupervisor：Date：【坌MonthlkDay,—r沙—4Z／YearWuhanUniversityofTectmology———．M．．．．．a(chǎn)．．．ster．．．'．．．s．．．．．．De．g．．．．．．r．．．．．e．．．．eT．．．．．h．．．．．．e．s—is—Dedica
5、tionIampleasedtodedicatethisresearchtomyparentsMrandMrsOwusu-Yeboahfortheirprayersandalso百ViIlgmeallthesupportIneededinmyeducation．WuhanUniversityofTechnologyAcknowledgmentMyfirstandforemostthanksgotoGodAlmightythecreatorofheavenandearthfor．givingmethestrength，wisdomandgraceoflifetog
6、othroughthisprogramsuccessfullyIamexceptionallygratefultomysupervisorProfessorWangXiutingforherongoingsupportandparticularlyinprovidingintellectualguidance，constructivecriticismduringmyTPRdefense，andinsightfulcommentsonmydissertationinatimelymannerishighlyappreciated．Moreover,1wantto
7、thankexecutives，staffandcustomersofAmalgamatedBankGhanafortheirvaluableinformationusedfortheanalysisofthisthesis．Iamequallygratefultoallthesourcesfromwhichigotmydataformystudy．Finally,1willliketoexpressmyappreciationtomyUncleMrOdoiYeboah，DoctorFred，ElderAgyenimBoateng，AuntLucia,AuntL
8、izzy,IzuLenn
