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聚美优贷是一个做女性化产品的P2P分期商城，目标客户是女大学生群体：用户发布出借款购买标，投资人选择借款人将钱借给对方。当借款标被投满后，学生用这笔钱购买分期产品，之后按月偿还本息给出借人。除此之外，聚美优贷还会给客户提供其学校周边的兼职信息，学生可以通过做兼职，来减少部分月供，并且增加信用积分。
聚美优贷和聚美优品是什么关系？聚美优贷的创始人纪伟康对猎云网说，“聚美优贷目前是聚美优品的一个分销商，我们的线上产品主要是从聚美优品来的。”
90后的纪伟康是个连续创业者，在创立聚美优贷之前，他还有过做健身房O2O趣健身APP的经验，从那个时候开始成立了线上技术和线下推广团队；目前，团队着力做聚美优贷APP，目前团队一共有六人，核心成员有在爱学贷、创业魔法学院的工作经验。
目前，各大电商都纷纷推出分期付款，若干专门做P2P分期付款的网站（如趣分期、分期超人）也逐渐显露并兴起壮大。谈到聚美优贷的竞争优势，纪伟康表示，“未来，分期购物金融市场必然会有更多巨头进入市场参与竞争，如何在这个红海市场杀出，我认为唯有在细分领域市场切入才有机会，抛弃3C产品的正面战，寻找细分领域市场的游击战。”
为什么以女大学生这个群体切入细分市场？
我国目前在校女大学生共有1132.15万，大学生是网购的主要消费群，女大学生消费群体易于接受新事物且媒体依赖度高，她们对于新型的消费模式接受度也很高。但是由于学生身份的收入所限，她们会越来越偏向电子分期付款的方式来满足自己的消费欲望。此外，聚美优贷团队在调查过程中发现女大学生群体信用有无担保、坏账可能性较低（因为有父母经济实力作为还款保障，且不愿因信用问题影响就业）和逾期率要比男生低20%的特点。
因此，聚美优贷抓住这个催生了容量庞大的细分化市场机遇，从成都各高校入手，面向全国在校女大学生，准备从美容产品为切入点：包括面膜、护肤霜、化妆品等商品和美容护理、微整形等服务，将来会围绕女大学生生活方式进行各品类拓展。另外据猎云网了解，聚美优贷正在天使轮融资中。
产品：聚美优贷
公司：成都华泓共赢科技有限责任公司
网址：内测中，预计6月中旬上线
文/张楠茜
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