Не, словарь - это просто мепинг, который говорит, из какого поля в dxl какое выходное поле нужно сделать. Пример того, что нужно - выходного XML (я подсократила его, а то очень много букв):
<div class="sp-wrap"><div class="sp-head-wrap"><div class="sp-head folded clickable">итоговый XML</div></div><div class="sp-body"><div class="sp-content">
<?xml version="1.0" encoding="utf-8"?>
<ApplicationFile>
<get_status>0</get_status>
<applicationid>111</applicationid>
<applicationdate>30.09.2012 10:00:00</applicationdate>
<ApplicationsList>
<login>admin</login>
<password>admin</password>
<partnerid>123</partnerid>
<applicationid>111</applicationid>
<applicationdate>30.09.2012 10:00:00</applicationdate>
<incomeproof>99</incomeproof>
<main_income>50000</main_income>
<rent_income>30000</rent_income>
<divid_income>2000</divid_income>
<places_income>13000</places_income>
<other_income>500</other_income>
<credits_montlypay>0</credits_montlypay>
<alimony>12500</alimony>
<dependants>1</dependants>
<utilities_charges>2550</utilities_charges>
<other_charges>10000</other_charges>
<ba_phone>89162223333</ba_phone>
<ba_country>99</ba_country>
<ba_index>EMPTY</ba_index>
<ba_region>EMPTY</ba_region>
<ba_district>EMPTY</ba_district>
<ba_city>EMPTY</ba_city>
<ba_settlement>EMPTY</ba_settlement>
<ba_street>EMPTY</ba_street>
<ba_house>EMPTY</ba_house>
<ba_building>EMPTY</ba_building>
<ba_structure>EMPTY</ba_structure>
<ba_apartment>EMPTY</ba_apartment>
<producttype>4</producttype>
<productname>1</productname>
<originalchannel>1</originalchannel>
<productsumlimit>100000</productsumlimit>
<productsumcurrency>RUR</productsumcurrency>
<exchange name="RUR">1</exchange>
<downpaymentamount>0</downpaymentamount>
<downpayment_percent>0</downpayment_percent>
<percent_day>0.03</percent_day>
<percent>12</percent>
<cred_duration>60</cred_duration>
<guarant_commercial>0</guarant_commercial>
<ensuring>0</ensuring>
<collateralexistence>0</collateralexistence>
<collateralvalue>0</collateralvalue>
<purchaseexistence>0</purchaseexistence>
<purchasevalue>0</purchasevalue>
<purchasemodel>NULL</purchasemodel>
<psk>112000</psk>
<pos_code>1</pos_code>
<pos_phone>EMPTY</pos_phone>
<pos_country>99</pos_country>
<pos_index>EMPTY</pos_index>
<pos_region>EMPTY</pos_region>
<pos_district>EMPTY</pos_district>
<pos_city>EMPTY</pos_city>
<pos_settlement>EMPTY</pos_settlement>
<pos_street>EMPTY</pos_street>
<pos_house>EMPTY</pos_house>
<pos_building>EMPTY</pos_building>
<pos_structure>EMPTY</pos_structure>
<pos_apartment>EMPTY</pos_apartment>
<consent>1</consent>
<consentdate>01.04.2013</consentdate>
<consent_pd>1</consent_pd>
<criminal_respons>0</criminal_respons>
<psychoneurological>0</psychoneurological>
<uncapable>0</uncapable>
<initialsumcurrency>RUR</initialsumcurrency>
<applicationfraudstatus>9</applicationfraudstatus>
<defaultstatus>9</defaultstatus>
<type>111</type>
<bki_list>equ;nbk;exp</bki_list>
</ApplicationsList>
</ApplicationFile>
У меня и XSD-схема для валидации есть, если вдруг нужна
