求翻译：中国保险业表现令人尴尬，暴露出保险赔付率低、保险金额普遍较低等弊端，缺乏地震风险分散的体系。面对着灾害的威胁，建立地震保险体系已势在必行。本文从我国当前的风险分散情况入手，阐明了当前建立地震保险的必要性及重大意义，论证了地震保险体系的切实可行性。文章旨在参照国外地震保险经验并结合国情及社会背景，探究出一套适合我国的地震保险体系模式。是什么意思？

Embarrassing the Chinese insurance industry performance, exposing the low insurance payments, the insurance amount is generally low and other defects, the lack of the dispersed system of seismic risk. Faced the threat of disasters, the establishment of the earthquake insurance system is imperative.

China's insurance industry has shown it is embarrassing, revealing insurance rates insurance rates low, generally lower evils such as earthquakes, and the lack of risk diversification. Faced with a disaster, earthquake insurance system has become an imperative. This article from our current risk div

Embarrassing China's insurance industry%