Another option is for you to use inheritance. Your resulting XML isn't as pretty, but you get exactly the content you want:
<xsd:element name="field" type="field" abstract="true" />
<xsd:element name="subfield" type="xsd:string" />
<xsd:complexType name="field" abstract="true" />
<xsd:complexType name="subfield">
<xsd:complexContent>
<xsd:extension base="field">
<xsd:sequence>
<xsd:element ref="subfield" minOccurs="0" maxOccurs="unbounded" />
</xsd:sequence>
<xsd:attribute name="name" type="xsd:string" />
</xsd:extension>
</xsd:complexContent>
</xsd:complexType>
<xsd:complexType name="no-subfield">
<xsd:complexContent mixed="true">
<xsd:extension base="field">
<xsd:attribute name="name" type="xsd:string" />
</xsd:extension>
</xsd:complexContent>
</xsd:complexType>
Then your resulting XML would contain the following (assuming you have xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
declared somewhere)
<field xsi:type="subfield">
<subfield>your stuff here</subfield>
</field>
or
<field xsi:type="no-subfield">your other stuff</field>
Most importantly, it disallows
<field xsi:type="subfield">
Text you don't want
<subfield>your stuff here</subfield>
More text you don't want
</field>