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
 1.1 Back Ground
 1.2 Purpose Of The Study
 1.3 Statement Of Problems
 1.4 Scope Of The Study
 1.5 Significance Of The Study
 
 CHAPTER TWO
 2.0 REVIEW OF RELATED LITERATURE
 2.1 Debt and Debt Management Defined
 2.2 Types Of Debt
 2.3 How Banks Create Money
 2.4 Common Causes And Problems Of Bad Debts
 2.5 Fundamental Of Credit Analysis
 2.6 Prudential Guideline In Nigeria N Banking
 2.7 Minimizing Risk Associates With Bank Lending
 2.8 The Need For Frequent Government Regulation
 2.9 Short Coming Of The Traditional Method Of Credit Analysis
 
 CHAPTER THREE
 3.0 Research Design And Methodology 
 3.1 Method of Data Collection
 3.2 Area Of Study
 3.3 Population
 3.4 Instrument Used
 3.5 Method Of Data Analysis
 
 CHAPTER FOUR
 PRESENTATION AND ANALYSIS OF DATA
 
 CHAPTER FIVE
 5.0 Conclusion
 5.1 Summary of Findings
 5.2 Discussion
 5.3 Recommendations
 5.4 Suggestions For Further Research 
     Bibliography
     Appendix