<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/schema/zthes-1.0.dtd">  <Zthes><term><termId>3965</termId><termName>Contrato de descuento de créditos en libros</termName><termType>PT</termType><termLanguage>es</termLanguage><termVocabulary>Tesauro</termVocabulary>	<termStatus>active</termStatus>	<termApproval>approved</termApproval>	<termSortkey>Contrato de descuento de créditos en libros</termSortkey><termNote label="Registro Aleph"><![CDATA[ 6409 ]]></termNote><termCreatedDate>Contrato de descuento de créditos en libros</termCreatedDate><relation><relationType>UF</relationType><termId>7893</termId><termName>Contrato de descuento de contrarrecibos</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>1885</termId><termName>Contrato de descuento</termName><termType>PT</termType></relation><relation><relationType>RT</relationType><termId>3910</termId><termName>Bancos</termName><termType>PT</termType></relation></term>  </Zthes>