edited: (changed from question to statement)
If the Banks where about to give a service where the people can get a LOAN via Bitcoins I guess, it would be beneficial to all of us,The Banks and The Traders.
I think with this, trading would be a lot more easier, am I wrong?
Escrows will have an easier way to get money from other individuals, and the budgets for the Campaigns will be a lot more than before.
I think that banks, especially public ones, will never give out loans in bitcoin or other decentralized crypto currency because of its high volatility. It will be too risky for banks, they will never take such a risk.
In Estonia, CoinLoan is simply an intermediary between the parties for issuing a loan to fiat on security of the crypto currency. In this case, the firm does not take any chances. It reduces the parties to formalize the loan and, I think, takes its interest for it.