for ( 0 .. $#fields) {
   %sql_data = %{$fields[$_]};
  ... insert into DB ...
}

##</code><code>##

foreach my $sql_data ( @fields ) {
   $stmt = qq/INSERT INTO temp_sheet (/ . join(',', keys %$sql_data ) . qq/) 
               VALUES (/ . join(',', ('?') x keys %$sql_data ) . qq/)/;   
   $dbh->do( $sql, {}, values %$sql_data );
}

##</code><code>##

use SQL::Abstract;
my $sql = SQL::Abstract->new;
foreach my $data (@fields){
  my($stmt, @bind) = $sql->insert('temp_sheet', $data);
  $dbh->do( $stmt, {}, @bind );
}