<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31318640</termId><termName>lending</termName><termType>PT</termType><termNote><![CDATA[ Giving or letting out a thing or funds for temporary use. ]]></termNote><termCreatedDate>2026-03-30 20:25:50</termCreatedDate><relation><relationType>UF</relationType><termId>31318641</termId><termName>loaning</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>31305295</termId><termName>economic and financial functions</termName><termType>PT</termType></relation><relation><relationType>BT</relationType><termId>31318856</termId><termName>collections management functions</termName><termType>PT</termType></relation><relation><relationType>RT</relationType><termId>31328982</termId><termName>loans</termName><termType>PT</termType></relation><relation><relationType>RT</relationType><termId>31362413</termId><termName>loan</termName><termType>PT</termType></relation></term>  </Zthes>