尽管P2P（个人对个人）网络借贷平台风波不小，但目前国内颇具行业代表性的人人贷2012年则呈递了一份尤具爆发力的成绩单。

Although P2P(Person to person)Network lending platform a storm,But at present domestic an industry representative everyone credit in 2012 is presented with a particularly explosive report card.

　　人人贷日前发布的2012年年报显示，该公司2012年网络交易额年同比爆发式增长803%，交易金额达3.54亿，为理财人赚取了1320万收益，2012年网站理财人平均投标利率为13.6%。

All credit to released 2012 annual report shows,The company in 2012 year-on-year growth in trading network projectile 803%,Deal worth $354 million,For financial people earn 13.2 million earnings,In 2012, the average person site finance bid rate is 13.6%.

　　人人贷创始合伙人、董事长张适时说，截至目前，今年一季度交易金额已达5000万，预计今年一季度交易金额将达到1亿，创历史新高。

Everyone credit founding partner/The chairman said ZhangShi,So far,In the first quarter of this year trading volume has reached 50 million,In the first quarter of this year is expected to trade amount will reach 100 million,A record.

　　目前人人贷公司业务覆盖31个省，从地域分布上看，上海、山东和江苏三个省市贷款占到贷款总量的16.47%、12.1%、10.89%，其余贷款份额较多的省份包括浙江（9.45%）、广东（6.11%）等。

At present the company all credit business covers 31 provinces,From the regional distribution looked,Shanghai/Shandong and jiangsu three provinces and cities to loans accounted for 16.47% of the total loan/12.1%/10.89%,The rest of the loan share more provinces including zhejiang(9.45%)/guangdong(6.11%)etc.

　　2012年，人人贷逾期90天以上坏账率仅为0.9%。不过张适时说，人人贷并未因此松懈，去年四季度风险的提升也敲响了公司持续进步的警钟。

In 2012,,Everyone at least 90 days overdue loans bad debt rate is only 0.9%.But ZhangShi said,Everyone credit not so relax,The fourth quarter of last year the risk of ascension also sounded the alarm for progress.

　　截至去年年底，人人贷逾期1-29天的贷款余额为212.98万元，占比0.54%，逾期30-89天的贷款余额210万元，占比0.53%，逾期超过90天的贷款余额为354.8万元，占比0.9%。

By the end of last year,Everyone credit overdue 1-29 days loan balance is 2.1298 million yuan,Accounted for more than 0.54%,Overdue 30-89 days of loan balance is 2.1 million yuan,Accounted for more than 0.53%,More than 90 days overdue loan balance is 3.548 million yuan,Accounted for more than 0.9%.