中文摘要：

在分析中小企业融资行为表现的基础上，运用优序融资理论、资本结构理论和关系型贷款理论，对湖南中小企业的资本结构和银行贷款行为进行了经验分析。我们发现：在信息不对称条件下，我国中小企业面临严重的信贷约束，造成这一现象的主要原因是企业规模歧视导致。因此，提出政策建议：建立中小企业互助担保集合融资平台，政府设立再担保体系保障融资平台高效有序运作。

英文摘要：

Based on the analysis of medium-small enterprises＇ （SMEs） financing behavior, we make an empirical study on the capital structures and bank lending behaviors of Hunan SMEs by using pecking order theory, capital structure theory and relational loaning theory. We find that under information asymmetry conditions, Chinese SMES are confronted with serious credit constraints caused by scale discrimination. Therefore, we suggest that a congregate financing platform of mutual guarantee should be built for SMEs and that the government should set up a re-guarantee system to ensure its efficient and orderly operation.