<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>34032</termId><termName>Descuento</termName><termType>TT</termType><termCreatedDate>2014-09-15 20:36:41</termCreatedDate><relation><relationType>RT</relationType><termId>20453</termId><termName>Letras de cambio</termName><termType>PT</termType></relation><relation><relationType>RT</relationType><termId>13001</termId><termName>Tipos de interés</termName><termType>PT</termType></relation><relation><relationType>RT</relationType><termId>17543</termId><termName>Riesgo de tipo de interés</termName><termType>PT</termType></relation><relation><relationType>RT</relationType><termId>3116</termId><termName>Riesgos bancarios</termName><termType>PT</termType></relation></term>  </Zthes>