The accident happened around midday in a rural part of Hunan province and came after recent heavy rains triggered landslides in the area, a statement said.
One car caught fire and five were derailed, it said.
A railway police officer was killed and 122 passengers were hurt, four of them seriously. Five rail staff also suffered light injuries.
A video posted on Chinese social media and verified by AFP showed at least three cars lying on their side and a plume of smoke rising in the distance.
The train was travelling from the eastern city of Jinan to Guangzhou in the nation's south.
Parts of southern, eastern and central China have been soaked by steady rains beginning last week.
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