Franklin never made that quote.
However, it accurately sums up his views.
He appeared before the British Board of Trade in 1764 and made arguments for the paper money. Read it here: http://books.google.com/books?id=SrIEAAAAYAAJ&pg=PA441&lpg=P...
Franklin helped create the paper money but turned against it when he was recruited by the banksters to be a shareholder in the Bank of North America, our first central bank which was a total corrupt disaster.
I have researched this topic, maybe one day I will post my findings on a website in detail to clear up the confusion out there