so... hmm bear in mind, when the boat goes upstream, it goes against the stream, so, if the boat has speed rate of say "b", and the stream has a rate of "r", then the speed going up is b - r, the boat's rate minus the streams, because the stream is subtracting speed as it goes up
going downstream is a bit different, the stream speed is "added" to boat's
so the boat is really going faster, is going b + r
notice, the distance is the same, upstream as well as downstream
thus [tex]\bf \begin{cases}
b=\textit{rate of the boat}\\
r=\textit{rate of the river}
\end{cases}\qquad thus
\\\\\\
\begin{array}{lccclll}
&distance&rate&time(hrs)\\
&----&----&----\\
upstream&48&b-r&4\\
downstream&48&b+4&3
\end{array}
\\\\\\
\begin{cases}
48=(b-r)(4)\to 48=4b-4r\\\\
\frac{48-4b}{-4}=r\\
--------------\\
48=(b+r)(3)\\
-----------------------------\\\\
thus\\\\
48=\left[ b+\left(\boxed{\frac{48-4b}{-4}}\right) \right] (3)
\end{cases}[/tex]
solve for "r", to see what the stream's rate is
what about the boat's? well, just plug the value for "r" on either equation and solve for "b"