declare
  s varchar2(10000);
  q varchar2(10000) := 'select ';
  qt varchar2(10000);
  rec_fields varchar2(1000);
  table__name varchar2(100) := 'SMCARD';
  f utl_file.file_type;
  cur sys_refcursor;
  n number;
begin
  select count(1) into n from user_tables where table_name = table__name;
  if n = 0 then
    raise_application_error(-20001, 'Нема у тя такой таблицы: '||table__name);
  end if;
  f := utl_file.fopen('BACKUP', 'test.csv', 'w');
  for c in (select column_name, data_type from user_tab_cols where table_name = table__name order by column_id) loop
    s := s || c.column_name||';';
    rec_fields := rec_fields || 'c.'|| c.column_name||'||'';''||';
    q := q || c.column_name||',';
  end loop;
  s := substr(s, 1, length(s)-1);
  rec_fields := substr(rec_fields, 1, length(rec_fields)-7);
  q := substr(q, 1, length(q)-1) || ' from ' || table__name;
  utl_file.put_line(f, s);
  utl_file.fclose(f);
  qt := '
  declare
    f utl_file.file_type;
  begin
    f := utl_file.fopen(''BACKUP'', ''test.csv'', ''a'');
    for c in ('||q||') loop
      utl_file.put_line(f, '||rec_fields||');
    end loop;
    utl_file.fclose(f);
  end;
  ';
  dbms_output.put_line(qt);
  execute immediate qt;
end;