String fuses are to stop one string overpowering another with reverse flow.
Also just becasue an installation has 12 strings doesn't mean that fuses are nescessary. It depends upon how they are JOINED.
If you have say an SMA 17000TL which can take 5 strings in on MPP input A and 1 string on MPP input B, if you have a TOTAL of 4 strings, 3 on MPP A and one on MPP B you do NOT need string fuses - each MPP is an 'Array'. If you had 5 strings, 4 in MPP A and one in MPP B you WOULD need string fuses.
String fuses are NOT a short circuit protection, as short ciruit current is close to operating current, they are to protect for a fault condition when one string ends up powering another, so putting more current through the panels than expoected under normal operating conditions, bearing in mind that the string fuse must have a tripping current which is less than 2 x Isc (stc) and the string cable current carrying capability, whichever is the lower value, also remeber that they should be rated for a voltage of Voc(stc) x M x 1.15 wher M is the # of panels in the string.
Over and above that, for some modules, the reverse current rating provided by the manufacturer MAY permit more than three parallel connected strings to be installed without string fuses. In such cases, the number of strings that may be connected in parallel without the use of fuses is calculated by ensuring: Ir > I (stc) x (N-1) x 1.25 where Ir is the maximum permitted reverse current quoted by the module (N is the # of strings)
An ARRAY is a series of strings connected in parralllel - in the case of string inverters that usually means to the same MPP, in the case of central inverters, which don't have individual MPP's it usually relates to whatever is connected to that Inverter - could easily be 100 strings.