Switzerland with its elaborate direct democracy offers one of the worlds' vastest empirical field for analysis of the political behaviour. The real political behaviour is easier to be judged at votes on single subjects than at the occasion of elections, as it allows an analysis on a much more detailed level. The following article intends to contribute to the overcoming of previously one-sided concepts of Swiss voting analysis according to aggregate data. At the occasion of six cantonal votes on credits the rational choice and structural hypothesis are being tested. The results will be put in the context of previous voting analysis and confirm the influence of the distance-, income- and tax-strain-thesis as well as socio-cultural factors. Occupational category or socio-structural variables, however, proved to be insignificant. Finally eight thesis on the use of the economical model of the voter will be listed.