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JOURNAL OF MONEY, BANKING AND FINANCE –ISSN: 2320-9747 (open access journals) is to publish rigorous and original articles dealing with the both national and international aspects of financial markets, institutions and money. Theoretical/ conceptual and empirical papers providing meaningful insights into the subject areas will be considered. Journal aims to publish articles  of  high  quality  dealing  with  issues  in  money,  investment,  banking  and  finance.  The  following  topic  areas,  although  not exhaustive, are representative of the coverage in this journal: Financial markets; Securities market; Portfolio management and risk analysis; Commercial and investment banking; Monetary and fiscal policies; Foreign exchange; Forward rates and swaps; Payment mechanism; Monetary systems; Balance of payments; Financial regulations and governance.