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For Tux:

#!/usr/bin/env perl -l

use strict;
use warnings;

use Text::CSV;

my $csv = Text::CSV::->new();

my $cols = @{ $csv->getline(\*DATA) };

my $query = 'INSERT INTO table (' . join(',' => map { "col$_" } 1 .. $
+cols)
            . ') VALUES (' . join(',' => ('?') x $cols) . ')';

print $query;

__DATA__
a,b,c,d
[download]

Output:

INSERT INTO table (col1,col2,col3,col4) VALUES (?,?,?,?)
[download]