1. Zhou Ying was born in Tongzhi for seven years (1868). She is the adopted daughter of the Zhou family. Due to financial difficulties, according to the arrangement of her brother and sister-in-law, in the 11th year of Guangxu (1885), she married Wu Pin of Wu 'an Town, Jingyang County to "celebrate" this dying person.

2. After entering the Wu family in Wu An Fort, Jingyang, her husband Wu Pin and her father-in-law died one after another, and the Wu family gradually declined. However, the strong Zhou Ying was not defeated, nor did she succumb to her daughter's feudal bondage. On the contrary, despite the difficulties, she presided over the housework, faced with internal suspicions and various crises in the operation of external firms, shouldered the banner of revitalizing the family business and carried out drastic rectification of Wu's business.

3. Zhou Ying's business talent is extremely high, and he knows how to use the market rules very well. Cotton production is often "three bumper harvests, one poor harvest and two flat years", but Zhou Ying knows how to make up for the poor harvest with a bumper harvest. In the case of unknown abundance, she booked cotton for cotton farmers in the following year at the average annual price in advance, which not only ensured the interests of cotton farmers but also stabilized her supply. By the time of the next year's harvest, other cotton merchants had no cotton to collect, so they had to buy it back at a high price, so the Wu family monopolized the Shaanxi cotton market for many years.