@prefix skos: <http://www.w3.org/2004/02/skos/core#> .
@prefix rdfs: <http://www.w3.org/2000/01/rdf-schema#> .
@prefix zbwext: <http://zbw.eu/namespaces/zbw-extensions/> .
@prefix gnd: <https://d-nb.info/gnd/> .
@prefix dc: <http://purl.org/dc/terms/> .
@prefix ns0: <http://purl.org/ontology/gbv/> .
@prefix wd: <http://www.wikidata.org/entity/> .
@prefix owl: <http://www.w3.org/2002/07/owl#> .
@prefix void: <http://rdfs.org/ns/void#> .

skos:narrowMatch
  rdfs:subPropertyOf skos:narrower, skos:mappingRelation ;
  skos:definition "skos:narrowMatch is used to state a hierarchical mapping link between two conceptual resources in different concept schemes."@en ;
  rdfs:label "has narrower match"@en .

<http://zbw.eu/stw/descriptor/12253-4>
  skos:prefLabel "Credit rating"@en, "Kreditwürdigkeit"@de ;
  skos:related <http://zbw.eu/stw/descriptor/13777-0> ;
  rdfs:label "Kredit-Rating"@de, "Investment grade"@en, "Bonität"@de, "Creditworthiness"@en, "Kreditwürdigkeit"@de, "Bonitätsbeurteilung"@de, "Bonitätsanalyse"@de, "Kreditwürdigkeitsprüfung"@de, "Kreditfähigkeit"@de, "Credit rating"@en, "Kreditrating"@de, "Credit scoring"@en ;
  a skos:Concept, zbwext:Descriptor .

gnd:4205942-2
  rdfs:label "Ausfallrisiko"@de, "Kreditausfallrisiko"@de ;
  skos:prefLabel "Ausfallrisiko"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/13777-0> .

<http://zbw.eu/stw/descriptor/13777-0>
  skos:related <http://zbw.eu/stw/descriptor/12252-6>, <http://zbw.eu/stw/descriptor/29873-3>, <http://zbw.eu/stw/descriptor/13293-1>, <http://zbw.eu/stw/descriptor/27601-4>, <http://zbw.eu/stw/descriptor/10816-3>, <http://zbw.eu/stw/descriptor/12253-4> ;
  skos:altLabel "Credit default risk"@en, "Kreditausfallrisiko"@de, "Loan risk"@en, "Default risk"@en ;
  rdfs:label "Credit default risk"@en, "Credit risk"@en, "Loan risk"@en, "Kreditausfallrisiko"@de, "Default risk"@en, "Kreditrisiko"@de ;
  skos:relatedMatch gnd:4138463-5, gnd:4268532-1, gnd:4438222-4 ;
  dc:isPartOf <http://zbw.eu/stw> ;
  skos:prefLabel "Kreditrisiko"@de, "Credit risk"@en ;
  skos:narrowMatch gnd:4205942-2 ;
  skos:inScheme <http://zbw.eu/stw> ;
  ns0:gvkppn "09137281X" ;
  skos:broader <http://zbw.eu/stw/thsys/70899>, <http://zbw.eu/stw/descriptor/10057-0> ;
  skos:exactMatch gnd:4114309-7, <http://dbpedia.org/resource/Credit_risk>, wd:Q162714 ;
  a skos:Concept, zbwext:Descriptor .

<http://zbw.eu/stw/thsys/70899>
  skos:narrower <http://zbw.eu/stw/descriptor/13777-0> ;
  rdfs:label "Bankwirtschaft"@de, "W.14.01.02  Bankwirtschaft"@de, "W.14.01.02  Economics of banking"@en, "Economics of banking"@en ;
  skos:prefLabel "W.14.01.02  Economics of banking"@en, "W.14.01.02  Bankwirtschaft"@de ;
  a skos:Concept, zbwext:Thsys ;
  skos:notation "W.14.01.02" .

<http://zbw.eu/stw/descriptor/29873-3>
  rdfs:label "Finanzrisiko"@de, "Financial risk"@en, "Finanzielles Risiko"@de ;
  skos:prefLabel "Finanzrisiko"@de, "Financial risk"@en ;
  a zbwext:Descriptor, skos:Concept ;
  skos:related <http://zbw.eu/stw/descriptor/13777-0> .

gnd:4438222-4
  rdfs:label "Forderungsausfallrisiko"@de, "Bonitätsrisiko"@de, "Forderung / Ausfallrisiko"@de, "Bonität / Ausfallrisiko"@de ;
  skos:prefLabel "Forderungsausfallrisiko"@de ;
  skos:relatedMatch <http://zbw.eu/stw/descriptor/13777-0> .

<http://zbw.eu/stw/descriptor/12252-6>
  rdfs:label "Pfandrecht"@de, "Kreditsicherungsrecht"@de, "Kreditsicherheit"@de, "Zession"@de, "Eigentumsvorbehalt"@de, "Sicherungsübereignung"@de, "Collateral"@en, "Recht der Kreditsicherung"@de, "Sicherungseigentum"@de, "Kreditauskunft"@de, "Forderungsabtretung"@de, "Pfand"@de, "Kreditsicherung"@de, "Verpfändung"@de, "Kreditschutz"@de, "Collateral lending"@en ;
  skos:related <http://zbw.eu/stw/descriptor/13777-0> ;
  skos:prefLabel "Kreditsicherung"@de, "Collateral"@en ;
  a skos:Concept, zbwext:Descriptor .

skos:broader
  rdfs:subPropertyOf skos:broaderTransitive ;
  skos:definition "Relates a concept to a concept that is more general in meaning."@en ;
  rdfs:comment "Broader concepts are typically rendered as parents in a concept hierarchy (tree)."@en ;
  rdfs:label "has broader"@en .

skos:altLabel
  rdfs:subPropertyOf rdfs:label ;
  skos:definition "An alternative lexical label for a resource."@en ;
  rdfs:comment "skos:prefLabel, skos:altLabel and skos:hiddenLabel are pairwise disjoint properties."@en, "The range of skos:altLabel is the class of RDF plain literals."@en ;
  rdfs:label "alternative label"@en .

<http://zbw.eu/stw/descriptor/27601-4>
  rdfs:label "Bankrisiko"@de, "Bank risk"@en ;
  skos:prefLabel "Bankrisiko"@de, "Bank risk"@en ;
  a zbwext:Descriptor, skos:Concept ;
  skos:related <http://zbw.eu/stw/descriptor/13777-0> .

skos:prefLabel
  rdfs:subPropertyOf rdfs:label ;
  skos:definition "The preferred lexical label for a resource, in a given language."@en ;
  rdfs:comment """skos:prefLabel, skos:altLabel and skos:hiddenLabel are pairwise
      disjoint properties."""@en, "The range of skos:prefLabel is the class of RDF plain literals."@en, "A resource has no more than one value of skos:prefLabel per language tag."@en ;
  rdfs:label "preferred label"@en .

skos:exactMatch
  rdfs:subPropertyOf skos:closeMatch ;
  skos:definition "skos:exactMatch is used to link two concepts, indicating a high degree of confidence that the concepts can be used interchangeably across a wide range of information retrieval applications. skos:exactMatch is a transitive property, and is a sub-property of skos:closeMatch."@en ;
  rdfs:comment "skos:exactMatch is disjoint with each of the properties skos:broadMatch and skos:relatedMatch."@en ;
  rdfs:label "has exact match"@en .

<http://zbw.eu/stw/descriptor/10816-3>
  rdfs:label "Länderrisikoanalyse"@de, "Sovereign risk"@en, "Country risk"@en, "Länderrisiko"@de, "Länder-Rating"@de, "Kreditwürdigkeit von Staaten"@de, "Sovereign rating"@en ;
  skos:related <http://zbw.eu/stw/descriptor/13777-0> ;
  skos:prefLabel "Country risk"@en, "Länderrisiko"@de ;
  a zbwext:Descriptor, skos:Concept .

<http://zbw.eu/stw/descriptor/13293-1>
  rdfs:label "Restschuldversicherung"@de, "Loan insurance"@en, "Restkreditversicherung"@de, "Credit insurance"@en, "Bad debt insurance"@en, "Kreditversicherung"@de ;
  a zbwext:Descriptor, skos:Concept ;
  skos:related <http://zbw.eu/stw/descriptor/13777-0> ;
  skos:prefLabel "Kreditversicherung"@de, "Credit insurance"@en .

skos:related
  rdfs:subPropertyOf skos:semanticRelation ;
  skos:definition "Relates a concept to a concept with which there is an associative semantic relationship."@en ;
  rdfs:comment "skos:related is disjoint with skos:broaderTransitive"@en ;
  rdfs:label "has related"@en .

skos:relatedMatch
  rdfs:subPropertyOf skos:related, skos:mappingRelation ;
  skos:definition "skos:relatedMatch is used to state an associative mapping link between two conceptual resources in different concept schemes."@en ;
  rdfs:label "has related match"@en .

gnd:4138463-5
  rdfs:label "Kreditmanagement"@de, "Kredit / Management"@de, "Unternehmen / Kreditmanagement"@de ;
  skos:prefLabel "Kreditmanagement"@de ;
  skos:relatedMatch <http://zbw.eu/stw/descriptor/13777-0> .

zbwext:Descriptor
  rdfs:label "Descriptor"@en ;
  a owl:Class .

<http://dbpedia.org/resource/Credit_risk>
  rdfs:label "Kreditrisiko"@de, "Credit risk"@en ;
  skos:prefLabel "Kreditrisiko"@de, "Credit risk"@en ;
  skos:exactMatch <http://zbw.eu/stw/descriptor/13777-0> .

skos:inScheme
  skos:definition "Relates a resource (for example a concept) to a concept scheme in which it is included."@en ;
  rdfs:label "is in scheme"@en .

<http://zbw.eu/stw>
  rdfs:label "Standard-Thesaurus Wirtschaft"@de, "STW Thesaurus for Economics"@en ;
  skos:prefLabel "Standard-Thesaurus Wirtschaft"@de, "STW Thesaurus for Economics"@en ;
  a void:Dataset, skos:ConceptScheme .

skos:Concept
  rdfs:label "Concept"@en ;
  a owl:Class .

gnd:4114309-7
  rdfs:label "Kredit / Risiko"@de, "Kreditrisiko"@de ;
  skos:prefLabel "Kreditrisiko"@de ;
  skos:exactMatch <http://zbw.eu/stw/descriptor/13777-0> .

gnd:4268532-1
  rdfs:label "Risikokosten"@de, "Risiko / Kosten"@de ;
  skos:prefLabel "Risikokosten"@de ;
  skos:relatedMatch <http://zbw.eu/stw/descriptor/13777-0> .

<http://zbw.eu/stw/descriptor/10057-0>
  rdfs:label "Ungewißheit"@de, "Uncertainty"@en, "Ungewissheit"@de, "Unsicherheit"@de, "Wagnis"@de, "Risiko"@de, "Risk"@en ;
  a zbwext:Descriptor, skos:Concept ;
  skos:prefLabel "Risiko"@de, "Risk"@en ;
  skos:narrower <http://zbw.eu/stw/descriptor/13777-0> .

wd:Q162714
  rdfs:label "credit risk"@en, "Verlustquote"@de, "Adressrisiko"@de, "Ratenausfall"@de, "Ausfallrisiko"@de, "Adressausfallrisiko"@de, "Forderungsausfallrisiko"@de, "Kreditrisikomanagement"@de, "Adressenausfallrisiko"@de, "Schuldnerrisiko"@de, "Kreditausfallrisiko"@de, "Adressenrisiko"@de, "Kreditrisiko"@de, "Zahlungsausfallrisiko"@de, "Kontrahentenrisiko"@de, "Emittentenrisiko"@de ;
  skos:prefLabel "credit risk"@en, "Kreditrisiko"@de ;
  skos:exactMatch <http://zbw.eu/stw/descriptor/13777-0> .