The income of balance factoring and bank time deposit depends on many factors, including interest rate, contract terms and investment amount. Under normal circumstances, the income of balance factoring may be higher, because it is usually linked to the accounts receivable of enterprises and provided by financial institutions.

The income of bank time deposit depends on the deposit interest rate and the selected deposit period. If the interest rate offered by the bank is higher and it has a competitive advantage over the balance factoring, the income of time deposit may be higher.

It is suggested to compare the interest rates and terms of different banks and the contract conditions of balance factoring, and make a choice according to your investment objectives and risk tolerance. It is best to consult professionals or bank staff for more accurate information and investment advice.