my $names=join(',',keys %test);
my $placeholders=join(',',('?' x scalar keys %test));
my $sth=$dbh->prepare("INSERT into test ($names) VALUES ($placeholders)"); # no error check, assuming RaiseError => 1 in DBI->connect()
$sth->execute(values %test); # again, no error check, DBI will die on errors
$sth->finish(); # no error check, DBI will handle that