Abstract
Simulating economic responses at society scale requires agents whose decisions reflect household circumstances and the effects of earlier actions. We introduce S$^2$-MAS, a society-scale multi-agent simulation framework built on 500 million synthetic household personas grounded in real-survey data. Its Genese engine separates decisions from state updates, while reusable financial scenarios and application ledgers track consumption, cash, debt and payments. FinL-mlx, a compact decision model trained with SFT + RLCD on 2.93 million examples, achieves 74.55% accuracy and 38.37% question-macro F1 in consumer financial-choice scenarios, outperforming Jev 1.13 and GLM-5.3-Flash on both measures. We evaluate eight financial task families and simulate 12 million distinct household agents in paired purchase-funding conditions. Jointly raising purchase goals and approved credit limits increases consumption, with responses differing across age and income groups. Education, employment and household-size differences persist after age--income standardization and mainly reflect transitions from deferral to purchase. Asset and debt groups differ in cash drawdown, repayment and closing debt. A 24-month panel varies purchase goals under a common credit product, with repayment and arrears updating subsequent offers. S$^2$-MAS links heterogeneous household decisions to evolving consumption, cash and repayment paths, supporting economic experiments across household groups, population scales and time horizons.
Abstract (translated)
URL
https://arxiv.org/abs/2610.27746
