Measures to help banks source more liabilities feature prominently in the Australian Bankers Association 's submission to the Financial System Inquiry.The ABA said the financial crisis "and its lingering impacts show that funding can be vulnerable and, while markets are adaptive and resilient, it would be prudent to put in place a national strategy to ensure all banks and the economy have access to a diverse range of quality funding markets and products to mitigate against any future risks."Some of the ABA's requests are matters of prudential policy that APRA, rather than the inquiry, will have to accommodate.Quick work to make master trust structures acceptable to APRA might be at the top of the ABA's wish list. These would allow banks to sell different classes of receivables, including credit cards as well as home loans, through a single legal structure.In a throwback to the days when investment banks such as Hambros patrolled access to the London market, the ABA called for "coordination to facilitate larger and more frequent issues," and thus "compete with some of the larger programs offshore."It said "this would contribute towards a deeper and more liquid market, and thereby improve pricing."Treating superannuation fund deposits, including self-managed superannuation fund deposits, in the same manner as retail deposits under APRA's liquidity rules "would increase the availability of superannuation fund deposits to support economic development," the RBA said.At present, SMSF deposits are considered less sticky.The ABA said "two obvious targets" for policy reform were "the income tax disadvantages of deposits and other interest earning products relative to other forms of investment," and "the proposal to tax savings through a deposit levy, which would make deposits even more disadvantaged."The latter is in fact an insurance premium required to fund the Financial Claims Scheme.The ABA observed that the level of deposits in Australia falls short of the total funding needs of the economy."Currently an additional A$600 billion in funding is needed, raised within Australia and from overseas. Over $500 billion of this is raised by banks. "With an increase in economic growth and credit demand from businesses and households, the total funding difference between deposits and credit needs could grow."It said that "as a general rule, markets are adaptive and resilient, and banks will be able to raise the funding necessary to support the economy, provided they are allowed to access a full range of quality funding sources and price appropriately when lending to customers."Also on the wish list is having the Australian Government extend the debt yield curve through the issuing of longer dated securities.The ABA also wants a review of the cap on the use of covered bonds.