This paper proposed a theoretical framework of innovation based on the perspective of ownership, and constructed an empirical research system of the relationship between ownership structure and innovation. In view of existing theme scattered and lack of interaction, this paper proposed a...

In December 2003, Congress passed the Fair and Accurate Credit Transaction Act (FACTA) giving US consumers the right to request free annual credit reports. In compliance with this legislation three major US credit bureaus (Equifax, Experian, and TransUnion) began offering free copies of their...