Large loans to corporate borrowers cannot linger on bank balance sheets, and banks "have got to get it moving through," Mark Joiner, the executive director of finance at National Australia Bank, told the ACFS-Finsia conference on Friday."We expect a lot more velocity to the bank balance sheet," he said.Banks, he said, had to "create products" and foster a "deeper corporate bond market".We have a "strong leaning to make it palatable to super funds," he said.After a relatively moribund period over the last three years, there is some, although it is still tentative, momentum along these lines in Australia.As it stands practically all corporate lending for Australian names funded outside the bank market is also funded outside Australia and is unlikely to be accessible to bank liquidity books.