Effects of developments in Turkish banking sector on household

The purpose of this study, the changes in consumption and saving habits of "The Restructuring Program" that was implemented after Turkey's economy lived the crisis of 2000-2001. Firstly in this work, the definition of banking, functions and banking history are introduced and the process of preparing sector crisis is examined. In the second section, post-crisis restructuring implemented program, the creation of independent regulatory-supervisory agencies, reforms of monetary and fiscal policy are mentioned.In the third section, the properties of households are explained, the financial instruments composed of assets and liabilities are declaratively informed. In the last part of the study consists of four parts, the changes in the banking sector after the reconstruction actions, the state of hosehold to this change, the changes of consumption and saving habits are investigeted. Finally, the meansures taken against to the risks of the changes in consumption and saving are mentioned.