This paper presents a generic-model based human-body modeling method which take the anatomical structure of the human body into account. The generic model contains anatomical structure of bones and muscles of the human body. For a given target skin mesh, the generic model can be scaled according to the skin, and then morphed to be fitted to the shape of the target skin mesh. After an anchoring process, the layered model can be animated via key-framing or motion capture data. The advantage of this approach is its convenience and efficiency comparing to existing anatomically-based modeling methods. Experimental results demonstrate the success of the proposed human-bodymodeling method.