DECLARE
   CURSOR cur_user_tables
   IS
      SELECT table_name
        FROM user_tables;

   CURSOR cur_user_tab_cols (v VARCHAR2)
   IS
      SELECT utc.table_name, utc.column_name
        FROM user_tab_cols utc
       WHERE utc.table_name = v;
BEGIN
   FOR rec_user_tables IN cur_user_tables
   LOOP
      FOR rec_user_tab_cols IN cur_user_tab_cols (rec_user_tables.table_name)
      LOOP
         DBMS_OUTPUT.put_line (   'CREATE OR REPLACE TRIGGER TRG_'
                               || rec_user_tab_cols.table_name
                              );
         DBMS_OUTPUT.put_line (   'AFTER INSERT OR UPDATE ON '
                               || rec_user_tab_cols.table_name
                              );
         DBMS_OUTPUT.put_line ('FOR EACH ROW   ');
      END LOOP;
   END LOOP;
END;