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。本文旨在从我国当前建立地震保险体系所面临前期准备入手，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 document is intended to build fro

Embarrassing China's insurance industry, exposing the low rate of insurance for payment, insurance rates generally lower malpractice, lack of earthquake risk spreading system. Face the threat of disasters, it is imperative the establishment of earthquake insurance system. This article is aimed at es