Question

1. Cathy said that she would be here later.
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In this sentence, does 'she' refers to 'Cathy' or "another female person"?

Answer 1

If "she" were referring to another person, then that person should be named here. As it is, "she" is referring to Cathy since "Cathy" is the only noun in this sentence, thus the antecedent for "she."

http://www.chompchomp.com/terms/pronounreference.htm
Read carefully about reference/antecedent here.