I do agree about their being banks in the future, as that's not our goal at the moment. It sounds like a great idea but there could be a few things to help the risk of people misusing the loan.
One, we could establish rules on how to apply for a loan so we can reduce the risk of giving it out to the wrong people. In order to do so, we can have them write a loan request on the forums stating:
1. What is your loan going to be used for?
2. How can you assure the Government that they are investing in something that is worthwhile and can benefit the economy?
3. What is your fully laid out business plan that will convince us that your business is worth investing in?
These 3 questions, you can add more, will help the Government and anyone who owns a private bank to be certain that they are investing in someone who can make a different and not someone who's gonna join one day and leave. Making the process more lengthy will give the Government and any other bank certainty that the person applying for the loan will use it for good cause.
You're always gonna get those people that will not use the money correctly, which is why I stated above that they need a fully planned out business plan and a reason why we should invest. Now for what PureStupidity said, "This could be a good idea, but there is a very deep dark bad side to loans." As this is true, there are plenty of ways to help reduce the risks of that "dark side" coming into play. We could establish a way for the Government to receive the money back if the person isn't able to pay it back.
Ever heard of Asset Forfeiture? It is a form of confiscation of assets by the state. In this case, "state" meaning Government for us. This will also bring into play the Judicial Branch. Allowing the Judges to grant the Government a warrant in seizing all assets of the loanee. Another way you can prevent the economy of having a risk of getting hurt, you can set a cap limit on a loan. You can set a max loan of $5,000 (plot price) or just give them a loan of $2,500 and have them come up with the rest. Giving these small loans will rest assure that the Government will take little, if any damage.
Now that being said, I don't expect the Judicial Branch and/or Banks to come into play until later on in the future of BusinessCraft. This is just of my opinion and can be tweaked by anyone.