A user terminal and a display panel thereof are provided. The user terminal includes a touch panel for detecting a touch generated in a surface thereof, and a display panel comprising glass plates, each disposed at a lower surface of the touch panel and comprising an active area for displaying an image and a black matrix at an edge area of the active area, a liquid crystal layer between the glass plates, and photo spacers mounted on one of the glass plates and received in the liquid crystal layer, for supporting flow of liquid crystals in the liquid crystal layer and for sustaining a gap between the glass plates, wherein the photo spacers comprise dummy photo spacers disposed at a black matrix between the glass plates for inverting a flow direction of liquid crystals advancing toward the black matrix from the active area. Therefore, liquid crystals flow more smoothly.