  We discuss how the Standard Model particles appear from the type IIB matrix
model, which is considered to be a nonperturbative formulation of superstring
theory. In particular, we are concerned with a constructive definition of the
theory, in which we start with finite-N matrices and take the large-N limit
afterwards. In that case, it was pointed out recently that realizing chiral
fermions in the model is more difficult than it had been thought from formal
arguments at N=infinity and that introduction of a matrix version of the warp
factor is necessary. Based on this new insight, we show that two generations of
the Standard Model fermions can be realized by considering a rather generic
configuration of fuzzy S^2 and fuzzy S^2 * S^2 in the extra dimensions. We also
show that three generations can be obtained by squashing one of the S^2's that
appear in the configuration. Chiral fermions appear at the intersections of the
fuzzy manifolds with nontrivial Yukawa couplings to the Higgs field, which can
be calculated from the overlap of their wave functions.
