Let me correct a misconception with the panels
Insolation = Solar energy on the panel.
A panel has 2 standard voltages and a peak current defined by the output voltage.
Specs referenced to a certain insolation level
Voc = Volts open circuit
Vmp = Volts maximum power
Imp = Current maximum power
Voc for a 12 volts panel run around 21 volts
Vmp are set around 17 volts ( Vmp (of the diode) times the # of diodes)
Imp when the output is 17 volts or less.
Which says that if the output voltage, controlled by a load is 17 volts or less the current will be Imp ( it is a constant current)
So to clarify : if the Imp = 12 amps and the Voltage,DUE TO THE LOAD, varies from a short = 0 to 17 volts, the Imp will be 12 amps and constant( remember the panel insolation is fixed to a reference).
For this reason it is best to have a charge controller with MPPT ( Maximum Point Power Tracking) to extract the power from the Battery voltage to the 17 volts Vmp.
The Solar Panels if fixed solar insolation will show a constant current up to the Vmp value of it, then starts to drop with the increasing output voltage until it reaches around 21 volts for 0 current -- being the output voltage controlled by the load.
Nando