Zhou Ying was born in Sanyuan County, Shaanxi Province. It is said that she was talented and entered a large Wu family in Anwubao, Jingyang, and married Wu Pin, the master of the Wu family. Later, both her husband and her father-in-law died for some reason, and the Wu family gradually fell into poverty. She established Wu's "business empire" in Shaanxi and became the only successful businesswoman at that time.