<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/schema/zthes-1.0.dtd">  <Zthes><term><termId>6717</termId><termName>CONCEPTO DE CRÉDITO</termName><termType>PT</termType><termLanguage>es</termLanguage><termVocabulary>Vocabulario controlado de las Altas Cortes de Colombia</termVocabulary>	<termStatus>active</termStatus>	<termApproval>approved</termApproval>	<termSortkey>CONCEPTO DE CRÉDITO</termSortkey><termCreatedDate>CONCEPTO DE CRÉDITO</termCreatedDate><termModifiedDate>2015-12-17 18:45:14</termModifiedDate><relation><relationType>BT</relationType><termId>6079</termId><termName>CRÉDITO</termName><termType>PT</termType></relation></term>  </Zthes>