法国在法郎区两大央行董事会均握有否决权，与此同时两大法国商业银行 — — 法国巴黎银行和法国兴业银行 — — 有权对贷款计划行使准垄断决策，要求贷款计划主要满足短期贸易融资和政府、公私企业及上层人士的需求。
France has a veto within the boards of directors of the Franc Zone’s two central banks, while two French commercial banks, BNP-Paribas and Société Générale, exercise a quasi-monopoly on lending programs, mainly centered on short-term trade financing and the needs of governments, public and private companies, and the elite.