#!/usr/bin/perl -wl

use strict;

sub create_list {
   my @skip_dbs = @_;
   my @dbs = qw/fetch forward user smtp/;

   return map { my $map = $_; grep { !/$map/ } @skip_dbs } @dbs;
}

my @list = create_list("user", "smtp");
print "@list";

##</code><code>##

fetch forward

##</code><code>##

user smtp user smtp smtp user