Organic–inorganic hybrid perovskites have recently attracted considerable interest for application in solar cells due to their low cost, high absorption coefficient and high power conversion efficiency (PCE). Herein, we utilize a CdSe quantum dot/PCBM composite as an electron transport layer (ETL) to investigate the structure, stability and PCE of CH3NH3PbI3−xClx perovskite solar cells. It is found that adsorption of the CdSe/PCBM composite reduces the roughness of the perovskite, leading to a high-quality film with a compact morphology. Density functional theory (DFT) based first-principles calculations show that CdSe enhances the chemical stability of CH3NH3PbI3−xClx involving strong atomic orbital hybridization. Interestingly, an inorganic-terminated perovskite surface has much stronger interaction with CdSe compared to the surface with organic CH3NH3 termination, with noticeable interfacial charge redistribution. Experiments on solar cells incorporating the CdSe/PCBM composite as the ETL show enhanced photocurrent and fill factor, which is related to the in-built electric field between CH3NH3PbI3−xClx and CdSe that greatly facilitates the separation of electron and hole pairs. We show an improved PCE of 13.7% with enhanced device stability in a highly humid atmosphere. These joint theoretical–experimental results may provide a new aspect for improving the structural stability and operating performance of optoelectronic devices based on perovskite structures.