By adjusting the depth and strength of a radial magnetic dipole so that the intensity of the field at the focal point of Z and the distance between the positive and negative focal points of the X and Y isolines correspond to those around a regional anomaly obtained from non-dipole maps, it is demonstrated that the dipole is located at a radial distance of 0.25 Re from the geocentre. A circular current loop at the core-mantle boundary corresponding to this dipole has a radius of 0.35 Re.Using a conducting Earth model, it was found that the effect of the conductivity of the mantle is negligible if the period of the source dipole is more than 50 years.The secular change in Europe, Asia, Africa, and part of North America was found to follow the change of two radial dipoles, one lying under the Asian anomaly and the other under the African anomaly. As interpreted by this two-dipole model, the strong centres of the secular variation observed in the Atlantic Ocean are caused by the rapid westerly drift of the African anomaly. In Asia, the change of the large positive Z-cell to a negative one during the last 30 years was interpreted as having been caused by changes in the intensity of the Asian anomaly.The observed secular change at 29 observatories in Eurasia and part of North America for the epoch 1965.0 can be explained by a two-dipole model with an rms error of 7.1 nT/y, which is clearly better than the rms error of the IGRF (14.5 nT/y), and roughly the same as that of the definitive model for 1965 (6.1 nT/y) obtained.