事实上，多数经济学家认同任何货币联盟所需要的不仅是银行业联盟（上述联盟目前在欧元区已经成立 ） ， 并且还需要更大规模的财政政策协调，以弥补独立货币政策和灵活汇率政策缺失的不足。
Indeed, most economists agree that any monetary union needs not only a banking union, which is now being established in the eurozone, but also greater fiscal-policy coordination, to compensate for the lack of independent monetary policies and flexible exchange rates.