ABSTRACT
 This work on the problem of debt management in Nigeria financial institutions.  A case study of union bank Plc Garden Avenue Enugu, you see for some tears a lot of reorganization has been going on in nation’s financial system.  The appropriateness of a work into this area need not be over emphasis considering what is going on in the nation’s financial institutions
 The distress bank issue is an offspring of the problems of debt mat in Nigeria financial institution.
 Well union bank Plc was not one of distressed bank but then study has shown that debt management in financial; institution still faces a lot of problem as will be seen from the study carried out in union bank Plc garden Avenue Enugu.
 In the course of this study, data were collection by means of face to face questionnaire blended with sparing interviews with the Advance department of the Bank.
  
 TABLE OF CONTENTS
 
 Title page
 Certification
 Dedication
 Acknowledgement
 Abstract
 Preface
 Table of contents
 
 CHAPTER ONE
 INTRODUCTION
 1.1Back Ground
 1.2Purpose Of The Study
 1.3Statement Of Problems
 1.4Scope Of The Study
 1.5Significance Of The Study
 
 CHAPTER TWO
 2.0REVIEN OF RELATED LITERATURE
 2.1Debt and Debt Management Defined
 2.2Types Of Debt
 2.3How Banks Create Money
 2.4Common Causes And Problems Of Bad Debts
 2.5Fundamental Of Credit Analysis
 2.6Prudential Guideline In Nigeria N Banking
 2.7Minimizing Risk Associates With Bank Lending
 2.8The Need For Frequent Government Regulation
 2.9Short Coming Of The Traditional Method Of Credit Analysis
 
 CHAPTER THREE
 3.0Research Design And Methodology 
 3.1Method of Data Collection
 3.2Area Of Study
 3.3Population
 3.4Instrument Used
 3.5Method Of Data Analysis
 
 CHAPTER FOUR
 PRESENTATION AND ANALYSIS OF DATA
 
 CHAPTER FIVE
 5.0Conclusion
 5.1Summary of Findings
 5.2Discussion
 5.3Recommendations
 5.4Suggestions For Further Research 
 Bibliography
 Appendix