The embodiment of the invention discloses an array base board, a display panel and a display device. The invention relates to the display technical field. The array base board is characterized in that the display opening area of each pixel region comprises a multi-layer functional film, wherein the multi-layer functional film comprises a substrate, a buffer layer, a gate insulation layer, a first interlayer insulation layer, a planarization layer and an electrode film layer structure, and the buffer layer, the gate insulation layer, the first interlayer insulation layer, the planarization layer and the electrode film layer structure are sequentially formed along the direction away from the light-emitting side surface of the substrate; the electrode film layer structure comprises a pixel electrode, a public electrode and a first passivation layer which is arranged between the pixel electrode and the public electrode, and the refractive index of any layer of the multi-layer functional film is bigger than or equal to that of every layer of the functional film which is positioned between the layer of the multi-layer functional film and the substrate, and bigger than that of the substrate; the refractive index of every layer of the functional film increases gradually along the direction away from the substrate, and the transmittance of backlight light can be improved; therefore, a driving voltage or a driving current of a backlight module can be indirectly reduced, so can the power consumption.