Hi All .......can i have a solution for this

Dears,
I have a xml as below.
<?xml version="1.0" encoding="UTF-8"?><ROWSET>
<ROW>
<PAYEE_BANK_CODE>0060567</PAYEE_BANK_CODE>
<PAYEE_AC_NO>0560717359050</PAYEE_AC_NO>
<PAYEE_AMT>6270</PAYEE_AMT>
<HOLDING_AC_NO>294892038311</HOLDING_AC_NO>
<PAYEE_NAME>t</PAYEE_NAME>
<PYMT_DETAILS1> </PYMT_DETAILS1>
<PROC_DATE>2010-09-27 00:00:00.0</PROC_DATE>
<COUNTRY_CODE>TW</COUNTRY_CODE>
<CITY_CODE>TPE</CITY_CODE>
<CUST_ID>TW00031</CUST_ID>
<PYMT_REF>P0003004</PYMT_REF>
</ROW>
</ROWSET>
The File that contains the xml is in a dirctory and if i try to insert it in a table i get the below error. Can anyone help me in this regard.
SQL> set serverout on
SQL> DECLARE
2 V_Lob CLOB;
3 V_File BFILE;
4 BEGIN
5 V_File := BFILENAME ('TEST_DIR', 'dinenth.xml');
6 Dbms_Lob.Createtemporary (V_Lob, TRUE);
7 Dbms_Lob.Fileopen (V_File);
8 Dbms_Lob.Loadfromfile (V_Lob, V_File, Dbms_Lob.Getlength (V_File));
9
10 INSERT INTO Xml_Demo
11 VALUES (XMLTYPE (V_Lob));
12
13 Dbms_Lob.Fileclose (V_File);
14 Dbms_Lob.Freetemporary (V_Lob);
15 END;
16 /
DECLARE
ERROR at line 1:
ORA-31011: XML parsing failed
ORA-19202: Error occurred in XML processing
LPX-00210: expected '<' instead of '?'
Error at line 1
ORA-06512: at "SYS.XMLTYPE", line 254
ORA-06512: at line 1
ORA-06512: at line 10
Edited by: Simma on Sep 27, 2010 11:34 PM

Hi,
Please always give your database version (all four digits).
That's important because your issue might relate to some known bugs. Besides, that helps people giving valid solutions or workarounds.
Does the following give errors too?
INSERT INTO Xml_Demo
VALUES( XMLTYPE( BFILENAME('TEST_DIR', 'dinenth.xml'), nls_charset_id('UTF8') ) );

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