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本文运用分位数回归方法，研究了中国2005—2008年4年间，37家寿险公司业务结构调整对利润率提升的影响。分别从产品业务结构、期限业务结构和渠道业务结构进行分析，结果发现长期、期缴、保障型、个险业务与利润率之间呈现的是显著的正相关关系。这意味着在一定程度上提升此类业务份额有利于公司利润最大化目标的实现和可持续发展，而且合理发展储蓄型业务，关注意外险、健康险等短期保障业务，优化风险较大的投资型业务也尤为重要。“,”In this paper, we use the method of quantile regression to make an analysis on the effects of structural adjustment of 37 life insurance companies upon interest rate promotion during 4 years from 2005 to 2008. We make an analysis on the product structure, limit structure and channel structure, and it turns out that there is a positive relationship between a long-term, security-orien- ted, private insurance business and interest rate. It means that to a degree it is beneficial for the re- alization and sustainable development of interest maximization to increase the share of this kind of business. And it is also important to reasonably develop deposit-saving business, paying attention to such short-term insurance business as accidental insurance and health insurance, and to optimize the high-risk and invest-oriented insurance business.