"Referring to" something has two meanings:
It can mean to look at something to get information. For example, when you're cooking you can "refer to" a recipe to understand how to cook something. People can also refer to:
- your notes
- a chart
- a textbook
- the manual
The other meaning of "refer to" is to talk about something. Here's an example: Your friend starts telling a story about another friend of his. He doesn't say the name of this friend, but you think you know the person that he's talking about. You can say:
Are you referring to Yuuta, by any chance?
So you can see that "referring to" something means talking about something that you haven't directly said the name of.