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The most significant global challenge is global climate change; carbon emission reduction and carbon neutralization are the last way to solve global climate change. Achieving carbon neutrality will significantly impact the global economy and the national economy. The "dual carbon goals" proposed by China will also substantially impact the global economy and regional economic development. Focusing on regional economic development, achieving carbon neutrality is not only an opportunity for regional economic development but also a challenge. To achieve the goal of carbon neutrality, there must be institutional innovation and management innovation, which will provide new opportunities for balanced development among regions. With the development of inclusive finance, financial services for many disadvantaged groups and small and medium-sized enterprises have been further developed, thereby promoting economic development. With the development of Internet finance, big data, cloud computing, and other technologies, the development of inclusive finance, etc., the concept has also emerged. However, due to the short time of digital financial inclusion, the imperfect regulatory system, and the low degree of public participation, it is worth investigating whether the development of digital financial inclusion has a catalytic effect on the improvement of economic growth. Using the data of 31 provinces to build a panel regression model, this paper studies the market development, the development degree of digital financial inclusion, and the impact of digital financial inclusion on the relationship between factor markets and product markets and regions from the perspective of factor markets and product markets. [ABSTRACT FROM AUTHOR]

In ecologically fragile areas with arid climate, such as the Heihe River Basin in northwestern China, sustainable social and economic development depends largely on the availability and sustainable uses of water resource. However, there is more and more serious water resource shortage and decrease of water productivity in Heihe River Basin under the influence of climate change and human activities. This paper attempts to identify the severe water scarcity under climate change and presents possible solutions for sustainable development in Heihe River Basin. Three problems that intervened land use changes, water resource, the relevant policies and institutions in Heihe River basin were identified, including (1) water scarcity along with serious contradiction between water supply and demand, (2) irrational water consumption structure along with low efficiency, and (3) deficient systems and institutions of water resource management along with unreasonable water allocation scheme. In this sense, we focused on reviewing the state of knowledge, institutions, and successful practices to cope with water scarcity at a regional extent. Possible solutions for dealing with water scarcity are explored and presented from three perspectives: (1) scientific researches needed by scientists, (2) management and institution formulation needed by governments, and (3) water resource optimal allocation by the manager at all administrative levels. [ABSTRACT FROM AUTHOR]