  I suggest an effective model between the GUT and the electroweak scale. It
only introduces the two symmetries of $U(1)_{B-L}$ and $U(1)_{D}$ besides the
SM groups. The two symmetries are individually broken at the reheating
temperature of the universe of $10^{12}$ GeV and the scale of $3\sim 4$ TeV.
The model can simultaneously accommodate the tiny neutrino masses, the
matter-antimatter asymmetry and the cold dark matter (CDM). In particular, the
model gives some interesting results and predictions, for instance, the
neutrinos are Dirac nature and their masses are related to the $U(1)_{D}$
breaking, the size of the matter-antimatter asymmetry is closely related to the
mass hierarchy of the quarks and charged leptons, the CDM mass is probably in
the range of $250\sim 350$ GeV. Finally, it is feasible to test the model in
future collider experiments.
