求翻译：我国是一个地震灾害频繁发生的国家，在汶川地震及玉树地震的情况看来,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的前期准备入手，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？

China is an earthquake disaster-prone countries, in the opinion of the Wenchuan earthquake and Yushu earthquake, the performance of China's insurance industry is embarrassing, exposing the low insurance payments, the amount of insurance is generally low drawbacks, the lack of the dispersed system of

We are a frequent earthquakes in The Wenchuan earthquake and seismic-Shee, it seems that China's insurance industry has shown it is embarrassing, revealing insurance rates insurance rates low, generally low, earthquake faults, lack of risk diversification. Faced with a disaster, earthquake insurance

China is a large earthquake disaster-prone countries, in the Wenchuan earthquake and the earthquake in yushu, China insurance industry performance embarrassing, exposing the low rate of insurance for payment, insurance rates generally lower malpractice, lack of earthquake risk spreading system. Face