You could possibly use a bitcoin deposit for a fiat money loan. If the bank needs to make a margin call or you late with a payment they have the option of dipping into your deposit. Once the loan is paid off you get your bitcoins back or you can take out another loan.
I see this as part of the risk assessment, this is the closest we can probably get at the moment to a security. If U are willing to put some of you money upfront as a security its clearly reduces the risk, its possible to think of other securities but the lack of physical accountability obvious cuts any many of the more traditional ones.
Another way to lower risk would be to have a current account which demonstrates a good constant flow of bitcoins.