You have a couple of problems here.
First, the XSD has an issue where an element is both named or referenced; in your case should be referenced.
Change:
<xsd:element name="stock" ref="Stock" minOccurs="1" maxOccurs="unbounded"/>
To:
<xsd:element name="stock" type="Stock" minOccurs="1" maxOccurs="unbounded"/>
And:
Stock
Stock
So:
<xsd:element name="Stock">
<xsd:complexType>
To:
<xsd:complexType name="Stock">
Make sure you fix the xml closing tags.
The second problem is that the correct way to reference an external XSD is to use XSD schema with import/include within a wsdl:types element. wsdl:import is reserved to referencing other WSDL files. More information is available by going through the WS-I specification, section WSDL and Schema Import. Based on WS-I, your case would be:
INCORRECT: (the way you showed it)
<?xml version="1.0" encoding="UTF-8"?>
<definitions targetNamespace="http://stock.com/schemas/services/stock/wsdl"
.....xmlns:external="http://stock.com/schemas/services/stock"
<import namespace="http://stock.com/schemas/services/stock" location="Stock.xsd" />
<message name="getStockQuoteResp">
<part name="parameters" element="external:getStockQuoteResponse" />
</message>
</definitions>
CORRECT:
<?xml version="1.0" encoding="UTF-8"?>
<definitions targetNamespace="http://stock.com/schemas/services/stock/wsdl"
.....xmlns:external="http://stock.com/schemas/services/stock"
<types>
<schema xmlns="http://www.w3.org/2001/XMLSchema">
<import namespace="http://stock.com/schemas/services/stock" schemaLocation="Stock.xsd" />
</schema>
</types>
<message name="getStockQuoteResp">
<part name="parameters" element="external:getStockQuoteResponse" />
</message>
</definitions>
SOME processors may support both syntaxes. The XSD you put out shows issues, make sure you first validate the XSD.
It would be better if you go the WS-I way when it comes to WSDL authoring.
Other issues may be related to the use of relative vs. absolute URIs in locating external content.