澳大利亚金融行业素来以监管严格著称，也是首批实施巴塞尔协议监管的国家，于2015年正式启用流动性覆盖率（LCR）标准。通过对澳大利亚LCR的分析发现，LCR标准实施将对银行业管理方式提出新的挑战，需要银行加大资产负债管理的精细化程度，对表内外各项目进行量化管理，并提前筹划，适时调整各项配套管理工具，同时，加大长期资金筹措，增强客户黏性，适度发展同业业务，合理控制表外业务。%Australia is famous as strict financial regulatory and implement the LCR criterion as the first country of BASELⅢimplementation. With the liberalization of interest rate and the establishment of a deposit insurance system, the implement of LCR will give a new challenge about the current bank management. The commercial bank should im-prove the degree of precision for assets and liabilities and manage quantitatively for every items including on and off bal-ance based on planning advance and relative tools adjustment on time. Meanwhile,the banks should expand long-term fund、enhance the customer stick、develop FI business moderately and control off balance business reasonably.
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