Macro-prudential policy plays a crucial role in stabilizing the financial system and influencing banks' risk preferences and willingness to take risks. This study examines the influence of macro-prudential policies on bank risk-taking using unbalanced panel data from 126 commercial banks in China between 2010 and 2021. The difference-in-differences model is employed to analyze the data. The empirical findings demonstrate that implementing macro-prudential policies in China effectively enhances bank risk prevention measures. In other words, macro-prudential policy implementation facilitates the digital transformation of banks and subsequently reduces risk-taking behaviors. Moreover, the heterogeneity test reveals that macro-prudential policies have a more significant impact on the risk-taking behavior of commercial banks with higher capital adequacy ratios compared to those with lower ratios. Additionally, commercial banks with strong interbank dependence exhibit more pronounced effects on their risk profiles when subjected to macroprudential policies with stricter capital supervision requirements. Therefore, this study proposes policy recommendations for strengthening bank capital supervision through differentiated approaches, serving as a valuable reference for the regulatory authorities.