my %element;
$element{liste} =
[
  { art => "textfield", name => "nachname",
    bez  => "Nachname:",   size => 20},
  { art => "textfield", name => "vorname",
    bez  => "Vorname:",     size => 20},
  { art => "popup_menu", name => "zimmerbett",
    bez  => "Zimmer/Bett:",},
  { art => "popup_menu", name => "anrede",
    bez  => "Anrede:",},
....
];
...
My $cgi = CGI->new();
My %params = $cgi->Vars();

My $sql = qq~INSERT INTO Kontakt (~
                  . join (',', values %element{name})
                  .qq~) VALUES (~
                  . join(',',map { $dbh->quote($params{$_} ) } keys %element{name}
                  .")";