Jada Pinkett Smith -- There's NOTHING Sexual About Willow Smith/Moises Arias Photo

Jada Pinkett Smith was locked and loaded Wednesday ... telling photogs the pic of her 13-year-old daughter in a bed with a 20-year-old guy was innocent ... and we're all "covert pedophiles" for thinking otherwise.

Jada arrived at LAX for a trip to NYC ... and she was brimming with anger, knowing we'd ask about the pic of Willow and her friend, "Hannah Montana" star Moises Arias.