You haven't give the panel maximum power point voltage, short circuit current, or operating temperature, but you seem to have the correct panel voltage and battery voltage*
A typical 72-cell solar panel will be about 48V open-circuit, and about 40V at maximum power point.
A typical 24V battery will charge at about 28V.
A typical solar cell installation will drop about 12V just in the wiring.
28+12 = 40: a typical 72-cell solar panel is the right size for getting the maximum power into a 48V battery system.
A DC system designed for a "48V battery" using "50V solar panels" uses a "PWM" charge controller to disconnect the battery from the solar panels when the battery is full. The voltage is matched by the ordinary characteristics of the panel, wiring, and battery.
A "50V" solar panel is unusual, strange, or they are just trying to make it easy to understand. Actual solar panels are made from solar cells, which have a voltage which is not a nice number. But a panel that give 47.2V open circuit at 80F, will give more volts at 32F, so the headline-number can be anything you want it to be unless you are selling to people who are comparing different panels.
If you aren't bringing 12 Ampere down from your roof to a battery room, you may not be loosing 12V -- but that's only 1 Ohm, and if you aren't bringing wires down from your roof, you may be using thinner wires, and a lot is lost in the connections anyway -- so it's easy to loose that kind of voltage in the system.
If, instead of a DC system with a PWM charge controller, you have a MPPT DC/DC converter, or grid-connect AC system with an inverter, you don't need to match the battery to the panel to get maximum efficiency or to protect the load. You can use 60-cell panels, or 120-cell panels, and the MPPT or grid-tie inverter will match for you.
Since almost all solar panel systems at present are grid-tie inverter systems installed on houses, most installers doing home solar-panel systems don't know anything about matching panel voltage to battery voltage, or matching load to battery capacity and panel capacity.
*The worst case is that you have cheap, unapproved components and that your supplier has lied to you: I've seen inside a 'charge controller' which was nothing but wire connecting the solar terminals to the charge terminals. It can be like buying USB thumb drives or memory cards on the internet. I do not know what you actually have.