<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/schema/zthes-1.0.dtd">  <Zthes><term><termId>9025</termId><termName>Créditos comerciales</termName><termType>PT</termType><termLanguage>es</termLanguage><termVocabulary>Tesauro</termVocabulary>	<termStatus>active</termStatus>	<termApproval>approved</termApproval>	<termSortkey>Créditos comerciales</termSortkey><termNote label="Registro Aleph"><![CDATA[ 7043 ]]></termNote><termCreatedDate>Créditos comerciales</termCreatedDate><relation><relationType>BT</relationType><termId>1172</termId><termName>Operaciones bancarias</termName><termType>PT</termType></relation></term>  </Zthes>