Someone else posted the chart for these terms, https://ac-journal.org/journal/vol3/Iss3/spec1/huang_jia.htm..., but I'm guessing the reasoning is probably very similar to patrilineal naming in many Western cultures, where children take the last name of their father. Using that criteria, another name for this relation would be "Female cousin who is younger than you, with a different last name". That is, only your father's brothers' kids will have the same last name as you. Your mother's siblings (brothers or sisters) and your father's sisters' kids have different last names.