For example a schema for a file system, directory contains a list of files. The schema consists of the specification of file, next a sub type \"image\" and another one \"tex
I think cloudfeet answer is a valid solution. You could also use the same approach described here.
You would have a file object type which could be "anyOf" all the subtypes you want to define. You would use an enum in order to be able to reference and validate against each of the subtypes.
If the sub-types schemas are in the same Json-Schema file you don't need to reference the uri explicitly with the "$ref". A correct draft4 validator will find the enum value and will try to validate against that "subschema" in the Json-Schema tree.
In draft5 (in progress) a "switch" statement has been proposed, which will allow to express alternatives in a more explicit way.