<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>17534</termId><termName>Riesgo de crédito</termName><termType>PT</termType><termCreatedDate>2014-09-15 20:02:59</termCreatedDate><relation><relationType>UF</relationType><termId>17535</termId><termName>Riesgo crediticio</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>17536</termId><termName>Riesgos del crédito</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>17537</termId><termName>Riesgo de solvencia</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>17533</termId><termName>Riesgo financiero</termName><termType>PT</termType></relation><relation><relationType>RT</relationType><termId>13135</termId><termName>Insolvencia</termName><termType>PT</termType></relation><relation><relationType>RT</relationType><termId>24033</termId><termName>Gestión del crédito</termName><termType>PT</termType></relation><relation><relationType>RT</relationType><termId>14659</termId><termName>Seguros de crédito</termName><termType>PT</termType></relation></term>  </Zthes>