Note: I have solved the question but there is this other line of attack that's giving me no hint on how to proceed. This is an attempt to solve this question in the following manner:
If we start with with the fact that an element $a \in R$ is not a unit element in the finite commutative ring, how can we prove that it has to be a zero-divisor?
I don't know why it has been voted down, because I seriously think that it does involve some imagination. I don't want to just solve the problem. My intent here was to start with the fact that we have a non-unit element $a$ and then prove that it is a zero-divisor. [moving from non-unit to proving a zero-divisor is what I am looking for]