<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>16623</termId><termName>Gestión del riesgo</termName><termType>TT</termType><termCreatedDate>2014-09-15 20:01:19</termCreatedDate><relation><relationType>UF</relationType><termId>16624</termId><termName>Gestión de riesgos</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>16625</termId><termName>Empresas-Gestión del riesgo</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>16626</termId><termName>Riesgo, Gestión del</termName><termType>ND</termType></relation><relation><relationType>RT</relationType><termId>3113</termId><termName>Riesgo (Economía)</termName><termType>PT</termType></relation><relation><relationType>RT</relationType><termId>3140</termId><termName>Riesgo (Seguros)</termName><termType>PT</termType></relation><relation><relationType>RT</relationType><termId>18466</termId><termName>Evaluación del riesgo</termName><termType>PT</termType></relation></term>  </Zthes>