如果我正确理解，则可以执行以下操作：

If I understand correctly, you could do the following:

df1[, paste(col_needed, "R", sep = "_") := 
      Map(function(x,y) mean(get(x), na.rm = TRUE)/mean(get(y), na.rm=TRUE), 
           col_needed, 
           paste(col_needed, "PAN", sep = "_")),
    by=region]