用量子图神经网络检测金融欺诈，融合拓扑分析与可解释性。

We propose a novel QTGNN framework for detecting fraudulent transactions in large-scale financial networks. By integrating quantum embedding, variational graph convolutions, and topological data analysis, QTGNN captures complex transaction dynamics and structural anomalies indicative of fraud. The methodology includes quantum data embedding with entanglement enhancement, variational quantum graph convolutions with non-linear dynamics, extraction of higher-order topological invariants, hybrid quantum-classical anomaly learning with adaptive optimization, and interpretable decision-making via topological attribution. Rigorous convergence guarantees ensure stable training on noisy intermediate-scale quantum (NISQ) devices, while stability of topological signatures provides robust fraud detection. Optimized for NISQ hardware with circuit simplifications and graph sampling, the framework scales to large transaction networks. Simulations on financial datasets, such as PaySim and Elliptic, benchmark QTGNN against classical and quantum baselines, using metrics like ROC-AUC, precision, and false positive rate. An ablation study evaluates the contributions of quantum embeddings, topological features, non-linear channels, and hybrid learning. QTGNN offers a theoretically sound, interpretable, and practical solution for financial fraud detection, bridging quantum machine learning, graph theory, and topological analysis.