I find hard to concentrate on my studies with some people having small talks around me.A.

问题补充：

I find hard to concentrate on my studies with some people having small talks around me.

A. them

B. him

C. that

D. it

答案：

A. them

B. him

C. that

(答案→)D. it

解析：句意：我发现当有别人在我周围聊天的时候，我很难集中精力于学习上，it作为形式宾语，指代后面不定式的内容，故选D