这是不平凡的，因为您想嵌套，但是应该这样：

function insert_using_keys($arr, $keys, $value){
    // we're modifying a copy of $arr, but here
    // we obtain a reference to it. we move the
    // reference in order to set the values.
    $a = &$arr;

    while( count($keys) > 0 ){
        // get next first key
        $k = array_shift($keys);

        // if $a isn't an array already, make it one
        if(!is_array($a)){
            $a = array();
        }

        // move the reference deeper
        $a = &$a[$k];
    }
    $a = $value;

    // return a copy of $arr with the value set
    return $arr;
}