The rugged terrain of Jiuqu Plank Road experiences heavy tourist traffic year-round. To assess the impact of tourist loads on rock mass stability, a refined model was established, using numerical simulations to analyze stress and deformation under static and dynamic loads. The results indicate that when the Jiuqu Plank Road is fully loaded with pedestrians, the rock mass is generally stable, with only partial damage to the surface rock mass. Under static load, the surface rock mass of L1 crack bottom, L15 middle and lower parts, and the Buddha niche at the bottom of the plank road are subjected to tensile failure, and the surface rock mass at the two corners of the middle and lower parts of the plank road, the Buddha foot platform, and the protruding part facing the river are prone to tensile failure. The vibration velocities of the rock mass in the boardwalk under dynamic load all exceed the specification allowable value, and it is prone to fatigue failure under long-term pedestrian dynamic load. The surface rock mass at the protruding corner of the upper part of the plank road may experience instantaneous tensile failure. These findings are essential for monitoring stability and guiding preventive reinforcement efforts.