Millions of people around the world have some type of physical, mental, or emotional () that severely limits their abilities to manage their daily activities.

A．scandal

B．misfortune

C．deficit

D．handicap

在我国贷款人指的是在中国境内依法设立的( )。

A．银行业金融机构
B．商业银行
C．经营贷款业务的金融机构
D．有金融许可证的机构