Setting up in a foreign country was no easy task, particularly given that before BMI was established, the Bank of Hawaii and the Bank of Guam had already divided up the local financial market between them. Because the local savings rate was low but the borrowing rate was high, Chen decided that the only way to gain the upper hand as a latecomer was to offer more efficient lending operations.
在異地經營事業並不容易，更何況早在「馬紹爾群島銀行」成立之前，就已有夏威夷銀行與關島銀行兩家瓜分當地金融市場，由於當地存款率低，貸款率高，陳子瀛認為後來居上的唯一方法，就是提高銀行的貸款作業效率。